Insurance Disputes If you have an insurance complaint, contact the Department of Government Services, the Consumer and Commercial Affairs Branch, and/or the Financial Services Regulation Division. In Newfoundland and Labrador, insurance issues are regulated by the Department of Government Services, the Consumer and Commercial Affairs Branch. and the Financial Services Regulation Division. Direct your inquiries to:Ms. Renee DyerDirector, Financial Services Regulation DivisionDept. of Service NLFinancial Services Regulation Division2nd Floor, Confederation Building, West Block Prince Philip ParkwayPO Box 8700St. John’s, NL A1B 4J6 Phone: 709-729-4909E-mail: firstname.lastname@example.org Financial Services Regulation Division Useful LinksHow Insurance WorksInsurers use a pool of many premiums to pay for the home, auto and business losses of Canadians unfortunate enough to experience a loss. You are covered for losses outlined in your contract only, not for predictable events. Newfoundland and Labrador Statutes and RegulationsNewfoundland and Labrador Insurance Companies Act General Insurance OmbudServiceAn independent dispute resolution service that is focused on the resolution of consumer complaints.