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Commercial Insurance Newfoundland & Labrador
When it comes to protecting your business, having the right commercial insurance policy is essential. Wedgwood Insurance understands businesses’ unique risks in Newfoundland & Labrador and offers customized commercial insurance solutions to meet those needs. With over 40 years of experience, we’ve built a reputation for providing exceptional customer service and reliable coverage to clients in various industries. Wedgwood Insurance can tailor a policy to fit your needs and budget, from property and liability insurance to cyber and crime coverage. Choose Wedgwood Insurance for peace of mind and comprehensive protection for your business.
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 your commercial coverage, look for ways to save money and keep your assets and income protected.
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. Here’s why you need it.
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.
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.
Commercial 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.
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.
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.
Equipment Breakdown Insurance
Systems 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. It should be noted that in order for coverage to respond the loss must be determined to be sudden and accidental.
Risk Management
Risk management goes beyond insurance in that it’s about planning for and mitigating potential business risks, aside from a policy that pays out when suffering a loss. The two work hand-in-hand together, but it’s important to understand that risk management is all about planning and strategizing for the long-term of your business.
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.
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.
Municipality Insurance
Insuring a municipality can be complex. There are many different types of risks associated with running a city or township, including protecting its citizens. Keeping in mind what’s best for everyone and everything means having the proper coverage in place for every situation.
Landscaping Services Insurance
As a landscaper, you probably spend most of your day out with clients. While you’re on the road, the last thing you want on your mind is your insurance coverage. However, there are many reasons why a basic business insurance package just isn’t enough. A broad landscaping services insurance program needs to take your equipment, your employees, and your specialized risk into consideration.
Warehousing and Logistics Insurance
When you run warehouses and logistics, you’re faced with a lot of moving parts. From the inventory you store to your forklifts to your employees, a lot can go wrong in an instant, leaving your business to pick up the financial pieces. That’s why you need to invest in comprehensive warehousing and logistics insurance coverage to protect your business and make sure you’re covered.
Landlord and Rental Property Insurance
Because properties can vary greatly in many ways, an off-the-shelf insurance package won’t likely be the right fit. Your location, building specifics, and the number of dwelling units all may factor into your insurance policies. It’s important to understand the unique nature of your risks based on the type of property you are insuring.
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