Home » Commercial Insurance » Business Insurance St. John’s
St. John’s is Newfoundland and Labrador’s economic hub, home to a diverse mix of businesses, from downtown retailers and hospitality venues to professional service firms and technology companies. Whatever sector you’re in, having the right business insurance in place is essential to protecting your operation, your employees, and your clients.
Wedgwood Insurance serves businesses of all sizes across St. John’s and the surrounding area. We’re a local brokerage with access to leading commercial insurers, and we take the time to understand what your business actually needs.
Business Insurance Options for St. John’s Companies
Our St. John’s commercial clients have access to a full range of business insurance products, including:
- Commercial General Liability — protection against third-party bodily injury and property damage claims
- Commercial Property Insurance — coverage for your building, contents, and equipment
- Business Interruption Insurance — income protection if you’re forced to close temporarily
- Professional Liability / E&O — for businesses providing advice or specialized services
- Commercial Auto Insurance — for company vehicles and business-use driving
- Cyber Liability Insurance — protection against data breaches and digital threats
- Directors & Officers (D&O) Insurance — for boards and executive leadership
- Employment Practices Liability (EPLI) — protection against employee-related claims
Industries We Insure in St. John’s
St. John’s is home to a wide range of industries, and our commercial insurance solutions reflect that diversity. We regularly work with:
- Oil & gas support services and marine businesses
- Retail and food & beverage
- Professional services (legal, financial, consulting, IT)
- Construction and trades
- Healthcare and wellness
- Hospitality, tourism, and event venues
- Non-profit organizations
Why Work with a Local St. John’s Insurance Broker?
Working with a broker who knows St. John’s means working with someone who understands the local business environment, regulatory requirements, and the types of risks that are specific to operating in Newfoundland and Labrador. We’re not a national call centre — we’re your neighbours, and we’re here for the long term.
As an independent brokerage, we work with multiple insurers to find you competitive premiums and coverage terms that actually match your business — not a generic policy that may leave gaps.
Serving All of St. John’s and the Avalon Peninsula
Our commercial insurance services cover businesses throughout St. John’s, as well as the broader Avalon Peninsula — including Mount Pearl, Paradise, Conception Bay South, and surrounding communities. Whether you’re based downtown or in a suburban business park, we can help.
