Jay Gujarati has always been the kind of person who enjoys helping others figure things out. Whether it’s answering questions, walking someone through a decision, or just offering support, he finds real satisfaction in knowing people feel more confident after talking with him. That’s what drew him into insurance—it gave him the chance to take…
Nicol Insurance Owen Sound
Located in Owen Sound since 1953, Nicol Insurance has grown to be your number-one local insurance solution. We're so proud to have our headquarters located in the heart of downtown Owen Sound.
Not only do we serve the community, but we are so proud to be a part of it!Â
Our Insurance Services
Personal Insurance
Our experienced brokers can help you determine the right kind of coverage you need to protect your unique lifestyle.
Commercial Insurance
Whether you are a contractor or an engineer, a manufacturer or wholesaler, as brokers, we can help you protect what you have built by customizing your policy to protect your unique business needs.
Group Insurance
We recognize the importance of attracting and retaining employees by offering a benefit plan suitable to their needs.
Agricultural Insurance
We understand the unique needs of local farms, whether you run a large-scale agricultural operation or a small hobby farm.
Our Owen Sound Team
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- Administration
- Commercial
- Owen Sound
- Personal
Melanie Hay
Melanie Hay has always been passionate about connecting with people and finding meaningful ways to make a difference in their lives. In her role as a Personal Lines Specialist at Nicol Insurance, she draws on that passion every day, building relationships, listening closely, and helping others feel confident about the choices they make. Her professional…
Muqadas Shams
Muqadas Shams experienced many roles over her years in the industry—working in underwriting, account management, and sales leadership—before finding her true fit in personal lines insurance. Each role gave her something different to carry forward, from understanding the fine details to seeing the bigger picture, and today she uses all of it to make insurance…
Miso Dlamini
Miso Dlamini believes insurance is about more than policies and paperwork. As a Personal Lines Insurance Specialist at Nicol Insurance, she brings warmth, professionalism, and a genuine commitment to helping clients feel secure in their coverage decisions. Miso’s path into the insurance industry began when she discovered how much she enjoyed guiding people through important…
Nancy Quenneville
With a relationship-first approach, Nancy Quenneville serves as a Personal Lines Insurance Specialist at Nicol, where she is dedicated to building trust and connections with her clients. She believes insurance goes beyond policies—it’s about listening, educating, and helping people protect what matters most in their lives.
Saloni Sehrawat
With a keen eye for detail and a passion for getting things right, Saloni Sehrawat works as a Quality Assurance Specialist at Nicol Insurance, where she helps keep processes accurate, organized, and running smoothly. Her background in business administration and international business has shaped a strong understanding of operations and a natural affinity for detail.
Tim Bulmer
With a people-first approach and a broad financial services background, Tim Bulmer works as a Personal Lines Insurance Specialist at Nicol Insurance, where he helps clients feel confident and well supported in their insurance decisions. He brings a well-rounded perspective shaped by years of experience advising clients on protection and risk, allowing him to offer practical, thoughtful guidance tailored to individual needs.
Andrea Van Overbeek
Bringing a wealth of experience and a thoughtful, behind-the-scenes approach, Andrea Van Overbeek serves as a Quality Assurance Specialist at Nicol Insurance and is an integral part of the Personal Lines team. She holds a degree in Communications from Wilfrid Laurier University and brings more than 20 years of experience across finance, securities, and insurance, blending corporate expertise with a genuine appreciation for client-focused, community-based work.
Karla Trudgen
With a thoughtful, client-focused approach, Karla-Jo Trudgen works as a Personal Lines Insurance Specialist at Nicol Insurance, where she enjoys helping clients feel informed and confident about their property and auto coverage.
Angela McCauley
With a people-focused mindset, Angela McCauley works as a Personal Lines Insurance Specialist at Nicol Insurance, where she helps clients navigate their home and auto coverage with clarity and care. She brings a strong foundation rooted in attention to detail and a genuine commitment to understanding individual needs.
Hillary Walker
Hillary Walker brings a friendly, people-first approach to her role as a Personal Lines Insurance Specialist at Nicol Insurance. With a background in hospitality and customer service, she naturally focuses on being attentive, approachable, and responsive, always aiming to make each interaction a positive experience.
Sarah Cartwright
Sarah Cartwright is a Personal Lines Insurance Specialist at Nicol Insurance who brings a thoughtful, client-first approach to helping individuals and families protect what matters most. Known for her positive attitude and strong work ethic, she works closely with clients to ensure their homes, vehicles, and personal assets are properly protected, providing clear guidance and…
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Get In Touch with Us
Address
985 2nd Avenue East,
Owen Sound, ON N4K 2H5
Phone
Phone: 1 (519) 376-5350
Toll Free: 1 (800) 376-5350
Fax: 1 (519) 376-1658
Hours
Monday-Friday:
9:00 am – 4:00 pm
Saturday-Sunday:
Closed