Business Details
4 Years
experience
Emergency
services
Commercial Insurance Solutions Fredericton
Lowinsuranceltd was founded by Richard Low, a seasoned insurance professional with over 25 years of experience in the industry. Starting his career in commercial underwriting in the early 1990s, Richard transitioned from risk evaluation to sales, building expertise in commercial insurance products across New Brunswick. His brokerage specializes in tailored risk management solutions, leveraging a network of national contacts and advanced technology to address complex business needs. The team prioritizes personalized service, offering face-to-face consultations and annual policy reviews to ensure competitive pricing and comprehensive coverage.With a focus on sectors ranging from construction to technology, Lowinsuranceltd combines deep local knowledge with national resources to deliver client-centric solutions. The company emphasizes transparency, community engagement, and continuous education through industry designations like CIP and CAIB. Clients benefit from 24/7 claims support and a commitment to simplifying insurance complexities while maximizing value.
Services
Builder's Risk
Commercial Vehicle
Contractors Insurance
General Liability
Surety Bond
Directors & Officers
Errors & Omissions
Cyber Liability
Hospitality Insurance
Details
- Year established: 2022
Highlights and features
- We offer 25+ years of commercial insurance expertise with industry designations like CIP and CAIB
- Our team provides personalized risk assessments and face-to-face client consultations
- We maintain a national network of insurance contacts for specialized risk solutions
- Annual policy reviews ensure clients receive maximum available discounts
- 24/7 claims reporting system with direct access to real insurance professionals
What people say
Prompt service
Great rates
Thorough explanations
Face-to-face consultations
Competitive pricing
Services
Builder's Risk Insurance
Builder's Risk Insurance protects construction projects against property damage during development. This coverage applies to residential and commercial construction sites, safeguarding against losses from fire, theft, or weather events. Our policies include equipment protection and liability coverage for third-party damages during construction phases.
Commercial Vehicle Insurance
Commercial Vehicle Insurance covers business-owned vehicles including cars, trucks, and specialized equipment. Policies include liability protection, collision coverage, and cargo insurance for transportation businesses. We offer customized solutions for fleets of all sizes with options for cross-border operations and specialized vehicle requirements.
General Liability Insurance
General Liability Insurance protects against third-party claims for bodily injury, property damage, and advertising injuries. Essential for all businesses, this coverage includes legal defense costs and settlement payments. We provide tailored policies for high-risk industries and specialized liability exposures.
Surety Bond Services
Surety Bond Services provide financial guarantees for contractual obligations. We offer performance bonds, payment bonds, and bid bonds for construction projects and government contracts. Our solutions ensure compliance with legal requirements while protecting all parties involved in contractual agreements.
Directors & Officers Liability
Directors & Officers Liability Insurance covers legal costs and settlements for management decisions affecting organizations. This protection applies to corporate directors, officers, and board members facing lawsuits. We specialize in policies for non-profits, private companies, and publicly traded corporations.
People
Richard Low
Owner/Broker
Richard Low has over 25 years of commercial insurance experience, including roles as underwriter and broker. Holds CIP and CAIB designations. Specializes in risk management solutions for New Brunswick businesses.
Harrison Embree
Insurance Representative
Harrison Embree provides client support with a focus on commercial insurance solutions. Available for policy consultations and risk assessments at the Fredericton office.
Bailey Thibault
Insurance Representative
Bailey Thibault assists clients with insurance needs, offering personalized service and policy explanations. Recognized for exceptional client support in recent testimonials.
Sarah Standring
Insurance Representative
Sarah Standring supports commercial clients with insurance solutions, providing detailed policy information and claims assistance at the Fredericton office.
Questions
What commercial insurance products do you specialize in?
We specialize in Builder's Risk, Commercial Auto, General Liability, Surety Bonds, Directors & Officers, Cyber Liability, and specialized risk coverage for unique business needs.
How can you help reduce insurance costs?
We review policies annually, compare rates across providers, and identify applicable discounts to ensure competitive pricing without compromising coverage quality.
Do you offer 24/7 claims support?
Yes, we provide 24/7 claims reporting with direct access to insurance professionals through our emergency contact system.
What areas do you serve?
We serve businesses across New Brunswick, Nova Scotia, and Prince Edward Island with personalized insurance solutions.
How do you handle specialized insurance needs?
Our national network and industry expertise allow us to address complex risks, including drone operations, IT consulting, and high-risk construction projects.
Reviews (5)
Green Appeal Property Care
Jan 04, 2022
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Richard is very helpful and informative. I would highly recommend this business for your commercial insurance needs.
Justin Foreman
Mar 14, 2021
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Positive:Professionalism,Responsiveness
I spoke with Sharon with regards to home insurance and she was extremely informative and knowledgable. Sharon also got back to me promptly providing all the necessary information I required.
I spoke with Sharon with regards to home insurance and she was extremely informative and knowledgable. Sharon also got back to me promptly providing all the necessary information I required.
Terry White
Jan 20, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Richard, and staff, listened to my request. Work hard to get me good value and in a short period of time. Very happy with the service. Great example of what insurance brokers should do.
Richard, and staff, listened to my request. Work hard to get me good value and in a short period of time. Very happy with the service. Great example of what insurance brokers should do.
Justin Pike
Dec 21, 2020
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Can not say enough how great Richard is about getting me insurance and a price that I can afford and with a great payment choices! I recommend anyone looking for insurance to give Richard a call! He will go above and beyond for anyone!!
David Moser
Jul 15, 2020
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I was really struggling with trying to setup tenant insurance. I called a few places with no luck than I came across Low Insurance and my experience has been excellent and simple the whole way through. Richard is very friendly, knowledgeable and has excellent communication skills. I also had the pleasure of speaking with Sharon. When my current vehicle insurance expires next year Ill definitely be bringing my policy over to Richard and his team.
