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Personal Insurance
AUTOMOBILE
Automobile insurance is available for autos you own, rent or lease and provides coverage for legal liability arising out of the operation of an automobile, physical damage coverage for the automobile itself, accident benefits (medical payments) insurance, comprehensive coverage and protection against uninsured drivers.
HOMEOWNERS
Homeowners insurance is designed for individuals who own their homes. This is a policy which packages the following insurance coverages: Property damage to your home and its' contents (furniture, clothing, etc.); Outbuildings on your property; Additional Living Expenses (extra expense for Rent, Food, Utilities; etc.) if you cannot live in your home, because of insured damage; and your Personal Liability.
TENANTS
Tenants insurance is designed for individuals who rent their residence. This policy packages the following insurance coverages: Property damage to your Contents; Additional Living Expenses (extra expense for Rent, Food, Utilities, etc.) if you cannot live in your apartment because of insured damage; and your Personal Liability.
PERSONAL UMBRELLA
Personal liability claims may occasionally reach catastrophic levels which go beyond the limits of the basic personal liability policy. The personal umbrella policy is designed to provide excess liability coverage over underlying or existing insurance policies. Typically this policy includes coverage for catastrophic liability exposures associated with the home, automobiles, boats and recreatioinal vehicles and is recommended for people with large amounts of financial assets.
LIFE & DISABILITY PROTECTION
Income replacement plans are not always easy to understand. That’s why we recommend that you speak with our qualified professionals so you can have the peace of mind of knowing you and your family’s financial future is protected.
TERM & WHOLE LIFE INSURANCE
The purpose of individual life insurance is to provide financial protection to surviving family members upon the death of the insured.
A term policy provides protection over a specific period of time. Whole life policies do not have a specified time frame but rather covers the insured for life.
INDIVIDUAL HEALTH & DENTAL CARE PLANS
Selecting the appropriate plan requires one to take into consideration a wide range of employees and their different needs within any particular company. We take pride in our ability to intelligently assess our client needs, provide them with options and then guide them through the proper selection of health and dental care plans.
TRAVEL INSURANCE
Canadians vacationing in other countries should protect themselves from the high cost of injury or sickness which can cost $5,000 per day if treated in a medical facility or hospital. We can help protect you from the high cost of out of province emergency health care. Family protection is available, and is preferable when family members are traveling together
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11 Lloyd Street, Saint John, NB E2M 4N4
