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Pearson Insurance Ltd

Protecting What Matters Most to You

Providing personal and business insurance throughout New Brunswick and surrounding areas.

Personal Insurance

Protecting you from the unexpected, through top quality insurance coverage.

Business Insurance

Developing creative, comprehensive, cost-effective solutions that fit your needs.

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Let us protect what matters most to you.

About Pearson Insurance Ltd

Providing insurance throughout the entire province of New Brunswick including Sussex, Petitcodiac, Chipman, Hampton and Saint John.

We are a well established, family owned and operated business that has been around since 1935. We help our clients figure out how to protect their investments with insurance and provide a risk assessment to explain coverage and how insurance works. Our clients are the most important part of our business and our goal is to make each insurance experience the best it can be.

Pearson Insurance Ltd Client Portal

Manage your account with us quickly and easily!

Report Claim
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csio-tech-leader-award-2017
Our Bragging Rights

2017 CISO Winner

We are proud to be recognized and named a technology leader in our industry.

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness Insurance
Auto

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby or a little spill of soda and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Company Facts & Stats

What Makes Us Unique

We are a well established, family owned and operated business providing insurance solutions since 1935.

We are uniquely situated in the middle of three major cities; Moncton, Saint John and Fredericton.

We take the time to understand your insurance requirements and concerns so that we can protect what matters most to you.

We stay on top of industry and technology trends to be flexible and responsive.

Our goal is to make each insurance experience the best it can be.

We are active in our community and have an acute awareness of community needs and events.

We have been voted #1 in the local reader survey 11 years in a row!

We have had 3 staff that have served as President of the local Broker Association and one that has been President of the National Broker Association.
Client Testimonials

Pearson Insurance has always promptly answered any questions over the years that we have asked.

Ralph

I have been dealing with Cindy over the years and I wanted to let you know that she provides exceptional customer service. She is always willing to help, replies quickly to questions and helps us to find the right coverage and costs to suit our needs. She is wonderful to deal with!

Karen

It is good to be able to go and see people personally instead of talking to a call center.

Michael

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