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.

Health & Fitness Insurance

Get A Quote

Newfoundland Fitness Club Insurance

When you run a business, having the proper Heath & Fitness Business Insurance is a necessary component to shield you and your staff from the many areas of potential claims you face.

You and your staff work closely with your clients everyday towards their better health:

You push them physically

Come into close contact with them

Advise them on regimen and diet.

These are unique risks to your business and you need gym insurance that can cover you on these fronts plus all of the normal areas of risk like property insurance. A proper fitness insurance policy in Newfoundland will protect your health club for much less money than you’d expect. And the protection that it provides can be the difference between success and failure. Even unwarranted claims can hamper your ability to do business as the costs to defend your health club can jeopardize its health.

Newfoundland health and fitness business insurance is available to all owners of health and fitness clubs in Newfoundland and incorporates both traditional insurance and club-specific lines of insurance so that owners can remain focused on growing a thriving health business.

Two reasons to get started right away!

Before the next workout session takes place, make sure that you and your trainers are protected from all claims. You don't want one unwarranted claim to close your gym.

You can get a no-risk quote right away. Just fill out this short Quote Form and we'll get back to you with an affordable policy that you can put into place immediately.

Protection you deserve

Get A Quote

Newfoundland Fitness Club Insurance

You push them physically

Come into close contact with them

Advise them on regimen and diet.

Two reasons to get started right away!

Before the next workout session takes place, make sure that you and your trainers are protected from all claims. You don't want one unwarranted claim to close your gym.

You can get a no-risk quote right away. Just fill out this short Quote Form and we'll get back to you with an affordable policy that you can put into place immediately.

Quick Link

Main Office

Our Team

Newfoundland Fitness Club Insurance

You push them physically

Come into close contact with them

Advise them on regimen and diet.

Two reasons to get started right away!

Before the next workout session takes place, make sure that you and your trainers are protected from all claims. You don't want one unwarranted claim to close your gym.

You can get a no-risk quote right away. Just fill out this short Quote Form and we'll get back to you with an affordable policy that you can put into place immediately.

Hours Of Operation