Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Saint John & Sussex, NB
Carnaghan Thorne Insurance has served Southern New Brunswick for 100 years as a locally owned and operated independent insurance brokerage. Our team of experienced professionals provides comprehensive personal and commercial insurance solutions, including home, auto, marine, recreational, and specialty coverage. We prioritize client relationships, offering 24/7 emergency claims service and tailored advice to meet individual needs.Our brokers hold industry-recognized designations such as CIP, CAIB, and BBA, demonstrating deep expertise in risk management. As active members of the Insurance Brokers Association of New Brunswick, we maintain the highest ethical standards while delivering personalized service. Our century-long commitment to the community reflects our understanding of local market dynamics and client priorities.
Services
Home Insurance
Auto Insurance
Commercial Insurance
Specialty Solutions
24/7 Claims Service
Details
- Year established: 1923
Highlights and features
- We offer 100 years of combined local insurance expertise in Southern New Brunswick
- Our brokers hold professional designations including CIP, CAIB, and BBA
- We provide 24/7 emergency claims service with immediate adjuster access
- As independent brokers, we market policies to multiple carriers for optimal coverage
- Our team maintains active involvement in industry associations and community initiatives
Services
Home Insurance
Our home insurance policies protect primary residences, mobile homes, and seasonal properties against damage from fire, theft, and natural disasters. Coverage includes structural protection, personal property replacement, and liability protection for homeowners in Saint John and Sussex. We specialize in customized solutions for unique properties including cottages and home-based businesses.
Auto Insurance
We provide comprehensive auto insurance coverage for standard vehicles, antique cars, motorcycles, RVs, and recreational vehicles. Policies include accident benefits, liability protection, and optional coverage for specialized equipment. Our brokers help clients navigate claims processes and understand deductible options for optimal protection.
Commercial Insurance
Our commercial insurance solutions protect businesses against property damage, liability claims, and operational disruptions. Coverage includes business interruption insurance, equipment protection, and liability coverage tailored to specific industries in Southern New Brunswick. We serve both established companies and startups.
Specialty Solutions
We offer specialized insurance products including cyber liability coverage, identity theft protection, legal expense insurance, and personal articles floaters. These policies address unique risks not covered by standard insurance packages, providing comprehensive protection for valuable assets and digital security needs.
24/7 Claims Service
Our 24/7 claims service provides immediate access to adjusters for emergency situations at any time. Clients can report incidents through dedicated phone lines and receive prompt assistance with damage assessment, temporary accommodations, and claim resolution processes.
People
Alison Brown
Vice President, Operations
With CIP and CAIB designations since 2000 and 2002, Alison has over 30 years of insurance experience. She serves on the Insurance Institute of New Brunswick Board and received their Volunteer of the Year Award in 2020.
Rob Hutton
VP Commercial Lines
Rob holds CAIB and CIP designations with 17 years of industry experience. He previously served on the Saint John Region Chamber of Commerce Board and currently teaches junior curling while managing commercial insurance operations.
Geordie Lamb
Vice President
Geordie has 21 years of insurance experience and completed his CAIB designation with honors in 2004. He previously served as President of the Brokers Association of New Brunswick and maintains active industry committee involvement.
Myles Hall
President
With over 40 years in insurance, Myles began his career in 1982 and co-founded Carnaghan Thorne Insurance Group in 2016. He has held leadership roles in multiple industry organizations and continues to shape commercial insurance strategies.
Randy Hall
Vice President Finance
Randy holds a BBA and CAIB designation with 25 years of experience. He manages financial operations for the brokerage and serves on the Insurance Brokers Association of New Brunswick Board of Directors.
Questions
What makes Carnaghan Thorne Insurance different from other providers?
As an independent brokerage with 100 years of local experience, we offer multiple carrier options and personalized service with 24/7 claims support.
What insurance products do you specialize in?
We specialize in home, auto, commercial, marine, recreational, and specialty insurance products including cyber liability and identity theft protection.
How quickly can I get assistance with a claim?
Our 24/7 emergency claims service provides immediate adjuster access through dedicated phone lines at any time of day or night.
Do you offer coverage for unique properties?
Yes, we provide specialized coverage for mobile homes, seasonal properties, cottages, and home-based businesses with customized insurance solutions.
Are your brokers professionally certified?
Our team includes brokers with CIP, CAIB, and BBA designations, maintaining active industry association memberships and continuing education.
How do you help clients save on insurance costs?
We offer multi-policy discounts, analyze risk factors like security systems, and compare multiple carrier options to find cost-effective coverage solutions.
