Built on a foundation of education and experience.

Andrew and Charlene have built their lives, and their business, upon a foundation of education and a passion for helping people. With a commitment to gathering information and acting in their client’s best interests, Andrew and Charlene believe in using their knowledge to guide clients, which is clearly reflected by their extensive educational backgrounds and business style. Andrew and Charlene graduated from the University of British Columbia with Bachelor of Commerce degrees and both proceeded to earn a Canadian Accredited Insurance Broker diploma from the Insurance Brokers Association of Canada. Continuing their education at the Insurance Institute of Canada, Andrew received a Fellow Chartered Insurance Professional diploma and Charlene earned a Chartered Insurance Professional diploma.

Discover what we do

Andrew and Charlene

Janzen Insurance is an independent property and casualty insurance broker, owned and operated by White Rock residents, Andrew and Charlene Janzen. 

Carolyn Flachowsky

Carolyn has 40 years of experience in the insurance business and almost 15 years as part of the team at Janzen. She is a second generation insurance broker who joined her sisters in following their dad into the insurance business as a very young teenager, working at their family’s business, de Jong Insurance. Carolyn is a home insurance expert and has worked with auto, travel, and commercial insurance. Personally, Carolyn is an animal enthusiast who loves to foster dogs in need and take care of her own pets. She and her husband Jürgen have two adult children and live in Cloverdale.

Jarrett Fontaine Commercial Account Manager

Jarrett joined our team in May of 2021 after his graduation from Trinity Western University with a degree in Corporate Communications. He currently works as a Commercial Account Manager and is pursuing his Chartered Insurance Professional (CIP) designation. 

Since starting at Janzen, one aspect Jarrett has come to value is the importance of insurance towards loss prevention. “Every person that walks through that door owns something that matters to them, whether that be a business that puts food on the table, or a home that shelters their family; I find joy in knowing that I sell a product that helps individuals protect themself and the very livelihood they work so hard to keep.”

While hailing proudly from the beautiful canola fields of Saskatchewan, Jarrett has extended his roots to British Columbia and started a family with his wife Rachelle & son Elias. Although his extended family is far away, he says the people at Janzen Insurance have cultivated a culture that reminds him of home, “these people truly know how to love one another and that’s important to me.”

Bonnie McKissock Insurance Broker

Bonnie moved to BC from Manitoba during the first phase of the pandemic. Her professional background during her time in Manitoba consisted of both banking and finance, where she enjoyed the diversity of her role in management, specializing in problem solving, creative solutions, and client advocacy. With her passion for excellent customer service, she is diligent in understanding her clients’ questions, assessing what they need, and ensuring they leave with the right solution.

Bonnie is well-rounded, working primarily with farm insurance, while handling both home and auto insurance. With many professional designations in the banking industry to her name thus far, Bonnie is extremely driven, and has redefined herself as an insurance professional by completing the Canadian Accredited Insurance Broker (CAIB) designation

Bonnie was excited to join Janzen Insurance to expand her career within the financial services industry while working with a fun group of kind, caring, and loving individuals who make up a great team.  She looks forward to interacting with and meeting more of our client base in person.

When not at work, Bonnie spends time finding adventures with her husband Greg and volunteers her time with World Triathlon and Triathlon BC as a Technical Official.


Lucas Biffart Commercial Assistant

Lucas came to Janzen Insurance in May of 2023 following his graduation from Okanagan College with a bachelors degree in Business Administration (BBA) and focus in marketing. Born and raised in White Rock and then moving to Kelowna for his education, joining the team as a Commercial Assistant has been a homecoming for him. 

Officially starting his career in insurance, Lucas follows his family footsteps ranking as a third-generation insurance broker. For him, working in insurance is more than a profession, but rather a family legacy and commitment to the community. With a desire to support local, Lucas values continual expansion of knowledge to provide the most practical insurance solutions for local business owners. 

For Lucas, to be working at Janzen Insurance allows him to contribute to a team that is professional, hard-working, well-respected, and dedicated to delivering the highest standard of customer service. 

When Lucas steps away from the office, you can expect to see him hopping on his mountain bike to explore the incredible trails that the North Shore has to offer.