Custom solutions crafted from years of experience protecting businesses like yours.

In today’s ever-changing environment, risk is constant. Commercial insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs. Our holistic approach to risk management will help you identify all of the risks that you face as a business owner and assist you in developing plans to mitigate and manage those risks.

We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money and keep your assets and income protected.

General Liability Insurance

No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

Commercial Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your commercial and personal assets from the additional exposure that commercial vehicles bring with them.

Commercial Property Insurance

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.

Commercial Umbrella Insurance

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Cyber Liability Insurance

Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.

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Management Liability Insurance (Directors & Officers)

Management  Liability (Directors & Officers) liability insurance covers management, directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.

Employment Practice Liability (EPL) Insurance

As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.

Errors & Omissions Liability Insurance (E&O)

Errors & Omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.

Builders Risk Insurance

Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, windstorm and theft.

Flood Insurance

Almost half of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.

Crime Insurance

Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.

Surety Bonds

A surety bond is a great way to guarantee that a large investment in a project is not lost—whether or not the work gets done. This type of insurance is especially common in the construction industry, and is often utilized for government contracts.

Liquor Liability Insurance

As a business that serves alcohol, liquor liability insurance is essential. This type of policy protects you and your business in the unfortunate event that a customer causes damage or injury after being served alcohol by your business.

Special Event Insurance

The stress and cost of organizing a special event is tough enough. The last thing you need to worry about is the financial risk you could face if something were to go wrong! Special event insurance removes this burden and allows you to focus on the event.

Environmental Impairment Liability Insurance

Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We’ll work with you to create a custom solution to help protect your business against environmental risks.

Ocean Marine and Cargo Insurance

Ocean marine and cargo insurance is insurance used to protect cargo, vessels and other items while they are being transported across the ocean. We’ll work with you to design coverage that provides real protection when you’re in open waters.

Inland Marine/Contractor’s Equipment Insurance

Whether you are a general contractor working on a project or a specialized firm running multiple job sites, you need specialized tools to function. No matter the company size; your tools, machinery, spare parts and work clothing likely represent a significant investment. As a result, you should ensure the materials essential to your business — at either a job site or in transit — are covered.

Captive Insurance Management

Captive insurance is a unique way for a business to insure itself. In many cases it can improve a business’ tax position and help to avoid legal pitfalls. Could captive insurance be an option for your business?

Equipment Breakdown Insurance

Equipment breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster. EBI covers exposures such as electrical arcing, mechanical breakdown, centrifugal force, and pressure explosion. Is designed to cover all electrical and mechanical and pressure equipment belonging to the client. It should be noted that in order for coverage to respond the loss must be determined to be sudden and accidental. Gradual wear & tear is excluded.

Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.

Assisted Living Facilities

Assisted Living Facilities provide a vital service to our communities. And every day you face challenges with residents, staff and the regulatory environment you operate within. We know and understand your unique risks because we have been working with many companies in this sector.

Manufacturer Insurance

Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you’re in, there’s one thing in common: the need to protect your business. We can help you design the right manufacturer’s insurance policy.

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Microbreweries & Wineries Insurance

Owning a brewery or winery can present unique risks. Microbreweries and wineries insurance combines elements of liquor liability insurance, property insurance and general commercial insurance to develop one, simpler policy.

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Church Insurance

A church is so much more than a place of worship—it’s also a community center, an employer and oftentimes, a home. We offer customized insurance options that fit all of these unique needs.

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Contractor Insurance

Contractor insurance isn’t one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected.

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Condo Building Insurance

Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.

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Auto Dealer Insurance

The risks associated with being an auto dealer are diverse, no matter what you sell. From workers’ comp to coverage for customers’ vehicles, we’ll help you navigate the complexities and design a policy that keeps your business running smoothly.

Farm Insurance

It can be overwhelming to think about insuring your farm if it’s both your home and your business. Farm insurance eliminates the confusion and allows you to simplify your insurance into a single policy.

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Fitness Center Insurance

As a gym or fitness center owner, customer waivers are usually not enough to protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.

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Garage Repair Shop Insurance

Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.

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Golf Course Insurance

Golf is a relaxing pastime that many people enjoy, but operating a golf course isn’t such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability and much more.

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International Commercial Insurance

Conducting business outside the country comes with its own unique set of risks and liabilities. Coverage options vary, so our experts will sit down with you to determine what your business’ needs are and how we can keep them protected.

Medical Office Insurance

Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.

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Non-Profit Insurance

Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.

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Property Manager Insurance

If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we’ll help you navigate the world of property manager insurance and design coverage that’s a perfect fit.

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Real Estate Investor Insurance

Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We’ll help manage those risks and keep your investment protected.

Restaurant Insurance

Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.

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Trucking Insurance

Does your company make use of commercial trucks? If so, you may need to consider commercial trucking insurance, which covers more risks than your typical auto insurance would.

Wholesaler and Distributor Insurance

As a wholesaler or distributor, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.

Professional Office Insurance

When you have a professional business it’s important to have the right insurance in place to protect your clients and your business. Professional office insurance is a great way to manage this.

Kent Rowe, VP Commercial Lines

At Wedgwood, we know risk and insurance.

We’re progressive and it shows in how we work with you to evaluate all of the risks you face every day as a business owner.

Our Risk IQ™ assessment process will enable us to Identify, Quantify and Organize your risks so that you are able to make educated decisions about insurance coverage and risk management. You’re busy running and growing your business so let us take care of the things that you’ve worked so hard to build.

Like any business, the success of our business depends on the experience and professionalism of the people we have on our team. Here at Wedgwood, our approach to creating a memorable and meaningful experience for our clients is purposeful. Our goal is to create great experiences for our clients that are based on treating you like Family and with Respect. We value your time and always endeavor to provide the right advice through good communication.

Have a look around. Feel free to check out some of the great tools that we have here to help you better manage risk. Insurance is complicated. You need a broker that will take the time to understand your business and talk you through all of the risks you face, day in and day out, not just the risks that are covered by an insurance policy. Questions? Comments? We’d love to hear from you. Please drop us a line.