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Jane Stewart McLachlan was born 12 AUG 1878 in 66 Vennel, Greenock, Renfrewshire, Scotland. She was the daughter of Robert Douglas McLachlan (1834-?) and Jane Stewart. Her siblings were Colin McLachlan (1863-?), John McLachlan (1867-?), Mary McLachlan (1869-?), Elizabeth McLachlan (1873-?), Robert McLachlan (1874-?), James McLachlan (1877-?).
Jane Stewart McLachlan's husband was Wallace Tosh (1878-?). They were married 25 AUG 1899 in Port Glasgow, Renfrewshire, Scotland. They had four known children named Sarah Galbraith Tosh (1900-?), Wallace Tosh, Robert Tosh, and James Tosh.