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Canadian Blood Services – Partners for Life

Blood donations by brokers throughout New Bruswick have exceeded our Partners for Life goal. New Brunswick Insurance Brokers also donated magenta fleece blankets (aka Bipper Blankets) to Canadian Blood Services to use at their mobile clinics. For more information about Canadian Blood Services visit their website.

Blanket presentations to Charities chosen by MLA’s

On April 22, 2009 the Insurance Brokers of New Brunswick (IBANB) held their first ever Broker Awareness Day. Over 50 member brokers from all over the province were in Fredericton to meet with Members of the Legislative Assembly (MLA) and keep the communication channels open. The day started with a breakfast at the Crowne Plaza with Hon. Jack Keir speaking to the group of brokers. After breakfast it was a day filled with siting in the Legislature, meeting with MLA's, a luncheon at the Crowne Plaza and finally an evening reception with Premier Shawn Graham present to finish the day off. Draws were held at the reception for MLA’s to win 20 blankets to be donated to a charity of their choice. 20 Bipper Blankets were donated to each of the following charities:

Lonewater Farms Addiction Services Facility – Donated by Hon. Jack Keir. Alnwick Family Resource Food Bank in Tabusintac – Donated by Hon. Carmel Robichaud Centre for the Prevention of Family Violence in Ste. Anne de Kent – Donated by Premier Shawn Graham

P.R.O. Kids Saint John

The IBANB made a cash donation of $2500 to P.R.O. Kids Saint John during the 2008 golf tournament. Pro Kids mission is to provide assistance to as many children and youth as possible who are unable to participate in sport, art, recreation or cultural activities due to financial limitations. Activities such as the arts, culture, recreation and sports are known to promote self-esteem, healthy growth, increased knowledge and personal development. For more information about P.R.O. Kids Saint John visit their website.

Moncton Headstart

The Young Broker Network (YBN), a committee of the IBANB, held its fourth annual Curling Bonspiel on February 13th, 2009 at the Beausejour Curling Club in Moncton. Nearly 80 people attended and all were asked to bring a package of diapers in lieu of a registration fee. The 4271 diapers were presented to the Moncton Headstart.

Moncton Headstart is an organization devoted to help parents of at-risk families learn to provide for their children and to teach children the personal and interpersonal skills needed, while they are in their most formative years.

Stan Cassidy Centre for Rehabilitation

The IBANB made a cash donations during their 2007 and 2009 golf tournament for the Dream Again Campaign at the Stan Cassidy Centre for Rehabilitation. For more information about the Stan Cassidy Centre for Rehabilitation visit their website.

MADD Canada

The IBANB provided a cash sponsorship of $5000 to MADD Canada’s High School Multi Media Program shown in high schools throughout New Brunswick. New Brunswick Insurance Brokers also attended many of these shows to handout magenta bracelets and postcards reminding students of the importance of MADD (Mothers Against Drunk Driving).

If you experience a loss that exceeds your deductible, ask your broker what the impact might be on your premiums if you make a claim. The best advice might be to absorb the cost yourself in exchange for lower premiums in the long term.

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Insurance involves technical terms that can be baffling. These terms help to make policies precise but don’t always help to make them clear. Don’t be afraid to ask us to explain terms that you don’t understand.

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One of the best ways to find a broker is to ask family, friends or work colleagues that you trust for a recommendation.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

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Driving while fatigued can be just as fatal as drinking and driving. Make sure to be well rested before your trip, and if you're tired, don't drive.

Using a cell phone while driving can reduce driving performance more than having the maximum legal level blood-alcohol level (80 mg/100ml).

Loss of income due to closure of your business location is based on previous earnings. When buying business interruption insurance, though, it’s based on a projection of future earnings. It makes sense since you don’t want to have your losses based on what you made during your first year in business – ten years ago.

Your home inventory list is an important document, so it’s a good idea to keep a printed copy in a safe deposit box at another location, such as with a friend or at your bank. Also, save a copy on your computer and a back-up copy on a flash drive stored elsewhere. Or email the list to a close friend or family member.

If you are not sure about your coverage, it’s better to give us a quick call than to guess. Remember, if you’re not covered and an accident occurs, the insurer is not obliged to pay.

If you participate in a time-share using your home or you rent out your cottage, you must tell your broker. These activities represent an increase in liability and risk to the property and may require additional insurance.

When damage cause by objects tossed around or knocked down during a storm (i.e. patio furniture), the property owner of those items isn’t held responsible. The onus is on the homeowner whose property sustained the damage to draw on their insurance coverage.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

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An ounce of prevention goes a long way. Ask us about arranging a complete loss-prevention audit to identify possible hazards in your operations and to suggest improvements and optimum coverage.

When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help.

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Don't assume that once you have a policy you are covered for everything. Ask us to explain the details.

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When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help.

Find a Broker in your area.

Students living away from home while completing their studies are likely covered by their parents’ home ownership policy for any damage to rental space or its contents. That may not be the case if you’ve permanently moved out, so talk to your independent insurance broker to make sure you’re covered.

You can purchase an umbrella liability policy that provides additional liability coverage to your home and car insurance. For example, if you have $1 million on your home and $1 million on your car but don't feel it is sufficient, instead of adding $1 million to each, you can buy an umbrella liability policy for an additional million that covers both.

By duplicating your business records and storing them off-site, you will have documents to substantiate any business interruption loss in the event that your premises are damaged.

You can protect your computer and its data by backing up data and programs on a regular basis and storing them off-site in a secure location.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

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Many companies will only insure your vacation property if you already have a homeowner’s policy with them. Talk to your broker about purchasing a separate, stand-alone policy.

Your home insurance policy may provide extended coverage for your rental property as well. Ask an independent insurance broker what policy terms you need for your rental property.

If you run a home-based business, you may not need to purchase a stand-alone business policy. Your insurance broker may be able to add a rider to your existing home insurance policy to provide additional coverage for your home-based businesses.

The bigger the bike (and engine), the more it will cost to ensure since insurers will have to factor in the replacement cost of the bike. The type of bike you choose will impact on insurance premiums, so find out how your bike rates.

When choosing a broker, make sure to find one who is willing to take the time to understand your insurance needs and recommend the right policy options for you.

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