What Insurance Coverages are Mandatory for Automobile in NL?

Third-Party Public Liability at $200,000 and Uninsured Motor Coverage are the mandatory coverages. Although $200,000 is the required minimum, many insurers do not offer this limit as it viewed as too low in the context of our society. At Crosbie Job Insurance, we would recommend $1,000,000. We also highly recommend that all insured people carry accident benefits coverage. Physical damage to your automobile is optional, although if you lease or have a loan on the car, your lender/leaser will require physical damage coverage.

How Much Liability Coverage Do I Have To Carry?

In Newfoundland and Labrador, you are required to carry $200,000 in liability coverage. At Crosbie Job, we recommend that you carry $1,000,000 (if you have a lease on your carry, the leasing company will require $1,000,000).

What Are The Benefits of BCPD?

This system was set-up so people can quickly go through the claims process with their insurance provider. You don’t have to wait too long to get your compensation.

What Is Direct Compensation For Property Damage?

Direct Compensation For Property Damage (DCPD) allows people who have auto insurance to be compensated by their direct insurer for property damages resulting in a collision caused by another driver.

Is DCPD Available in Newfoundland and Labrador?

Yes, DCPD is now available in Newfoundland and Labrador! Before it was only a system that was used in Ontario, Nova Scotia, Quebec, and New Brunswick, but Newfoundland and Labrador have adopted the system used by Nova Scotia.

Do I Really Need Auto Insurance?

If you drive in Canada, you are required by law to have some sort of auto insurance coverage. A basic policy should include third party liability insurance (usually needs to be at least $200,000), uninsured automobile coverage, and accident benefits insurance. In Newfoundland and Labrador, it is not required to have accident benefits insurance, but we highly suggest you include it in your insurance policy.

What Affects My Insurance Premiums?

Whenever you make a claim on your home insurance or if you get a ticket while driving, it will affect your insurance premiums. Your rates will change depending on the type of claim and if you were at fault or not. For example, if you get into an accident, it may affect your premiums for a number of years; if you get a ticket for careless driving or a DUI, it will affect your premiums for typically three years. These are just some of the most common ways your premiums can get affected, contact Crosbie Job today to learn more about the inner workings of insurance and what may determine your rates.

I Run My Business Through My Home, Will This Affect My Insurance?

A lot of people have made the switch to work from home, so they are curious about how their insurance will be affected, if at all. It is best to speak with a broker about this aspect because running a business through your home will generally affect your insurance, but it may affect everybody differently. Some people may have limits on their business property, such as computers, equipment and software, while others may require additional liability insurance. Talk to your broker today to discuss if home business coverage will be the best option for your needs.

Convenience Insurance

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Newfoundland Convenience Insurance

Stop Spending So Much on Insurance!

When an employee steals from you it hurts. In addition to being a violation of trust, it costs you. Not only does it hurt because of product loss but it can result in higher insurance costs because of persistent claims. As a convenience store operator in Newfoundland, what could hurt even more are:

Protection Gaps. This is where a portion of your operation is unprotected. This could cost you your store.

Spending Too Much on Insurance. This is a waste of your hard-earned dollars.

To cease worrying about this, contact Crosbie Job Insurance today. It is our business to take care of your protection gaps and to reduce your insurance costs. First, we will review your business operations including any recent services you are offering. For example, if you just added an outdoor produce market or a propane gas tank exchange to your store, we will make sure they are adequately protected.

Second, we will help you structure safety procedures designed to reduce the risks of how you provide your products to your customers. Our expertise includes knowledge and programs in preventing employee theft, creating a safety-oriented workplace and ensuring OSHA compliance, among others. The more you create a safe, minimal risk environment, the more money you can save on your insurance costs. Newfoundland car wash insurance is available to any owner of an auto wash facility in order to protect against losses arising from damage to your property or a customer’s property. Here are two reasons to act now!

Don't let another car pass through your wash without knowing that you are protected from potential claims--even unjustified ones.

It's easy to get a no-risk quote. Simply fill out this short Quote Form and we'll get back to you with a specific car wash insurance policy suited to your needs.

Crosbie Job Insurance Your Newfoundland
Convenience Store Insurance Expert

At Crosbie Job we have provided convenient store insurance for retailers in Newfoundland since 1984.

To start to realize savings on your insurance, complete the Protection Savers Quote Form. You will be contacted by a convenience store insurance expert at Crosbie Job. After a brief discussion of your needs and objectives, we will craft an insurance program customized for your establishment. There will no protection gaps and we will begin plans to keep your insurance costs low immediately!

Protection you deserve

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Newfoundland Convenience Insurance

Protection Gaps. This is where a portion of your operation is unprotected. This could cost you your store.

Spending Too Much on Insurance. This is a waste of your hard-earned dollars.

Don't let another car pass through your wash without knowing that you are protected from potential claims--even unjustified ones.

It's easy to get a no-risk quote. Simply fill out this short Quote Form and we'll get back to you with a specific car wash insurance policy suited to your needs.

Crosbie Job Insurance Your Newfoundland
Convenience Store Insurance Expert

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Newfoundland Convenience Insurance

Protection Gaps. This is where a portion of your operation is unprotected. This could cost you your store.

Spending Too Much on Insurance. This is a waste of your hard-earned dollars.

Don't let another car pass through your wash without knowing that you are protected from potential claims--even unjustified ones.

It's easy to get a no-risk quote. Simply fill out this short Quote Form and we'll get back to you with a specific car wash insurance policy suited to your needs.

Crosbie Job Insurance Your NewfoundlandConvenience Store Insurance Expert

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Crosbie Job Insurance Your Newfoundland
Convenience Store Insurance Expert