How do I get an insurance quote with Wedgwood Insurance?

Start with the online form or contact the team directly. Dedicated brokers in St. John’s and Corner Brook provide complimentary consultations to understand your needs and present tailored options.

What information do I need to provide for an accurate insurance quote?

Provide basic personal details and specifics about the coverage you need—such as home, auto, tenant, or business. If preferred, you can speak with a broker at 1-844-442-0140 for guided assistance.

Why should I choose Wedgwood Insurance for my coverage in Newfoundland?

As Newfoundland & Labrador’s largest independent insurance broker, Wedgwood offers personalized advice backed by decades of experience and hundreds of client reviews, delivering clarity, choice, and peace of mind.

How long does it take to receive a quote from Wedgwood Insurance?

Most home and auto quotes are provided the same day. Commercial quotes may take longer depending on risk complexity and available markets, and the team will set clear expectations up front.

Does Wedgwood Insurance offer discounts or bundled insurance options?

Yes. You can combine policies—such as home and auto—and explore additional discounts to improve overall value while keeping coverage aligned to your needs.

Home » Insurance Built for Contractors

Newfoundland & Labrador's Small Business Experts

Q: What is an insurance broker, and why should I work with one?

A broker is a licensed professional who works for you, not a single insurer. Wedgwood compares policies from multiple providers, negotiates on your behalf, and helps you select the right protection for your home, vehicle, or business.

Let’s get started on your commercial insurance quote today

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At Wedgwood Insurance, we’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

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 4.7 
   Top Rated Service
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.

    
 
 
        
   Christian Malcolm 
 October 23, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Mr. Quinlsn was very Knowledgeable and he answered all of my questions. I highly recommend him. He knows the insurance business.
  
 
       
   Barry Constantine 
 October 23, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Gloria was a total pleasure to deal with and I saved about $350 on a bundle deal.
  
 
       
   June Noseworthy 
 October 22, 2026
 
 
 Trustindex verifies that the original source of the review is Google. They are very pleasant  and helpful.
  
 
       
   Joy Bullen 
 October 21, 2026
 
 
 Trustindex verifies that the original source of the review is Google. My broker, Wandalee, is very engaging in reviewing/renewing my policy, is always efficient in response and friendly in our interactions. Also extra helpful navigating adding a new teenaged driver and implementing cost effective strategies around that, as well as for my home. I had planned to shop around for quotes this year but after talking to Wanda and sorting out some complicating factors, and applying a discount, I decided to stay. My time is also money so being able to reach her and talk about my situation, and get everything  sorted on the one call made me feel valued.
  
 
       
   Michael Wozney 
 October 20, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Have always had nothing but the best and prompted service.  I have several policies through business and personal and have never had an issue.  Highly recommend them

CLIENT SPOTLIGHT: URBAN WOODWORKS

Frequently Asked Questions

What types of coverage do contractors in NL typically need?

Most contractors need a combination of commercial general liability, commercial auto, tools and equipment coverage, and completed operations. Depending on your trade, you may also need environmental impairment liability, especially if there is risk of fuel, oil, or pollutant release.

What is completed operations coverage and why does it matter?

Completed operations covers claims that arise after your work is finished and you’ve left the jobsite. For electricians, plumbers, HVAC installers, and general contractors, this can include fire, water damage, or malfunction caused by installation errors. The work may be done, but the liability can remain.

Can the right insurance actually help me win jobs?

Yes. Many public and commercial contracts require specific liability limits and proof of coverage before work begins. Having the right structure in place, and the ability to produce certificates quickly, can make the difference between winning a job and losing it.

Do I need environmental impairment liability as a contractor?

It depends on your work, but many contractors in Newfoundland and Labrador are exposed to some level of pollution. Fuel spills, oil tank work, refrigerant leaks, or runoff from a jobsite can all create liability. Environmental impairment liability helps protect your business if a spill or contaminant causes property damage or cleanup costs.

What happens if a subcontractor causes damage on my job?

Even if you didn’t do the work yourself, you can still be pulled into a claim. Contracts often transfer responsibility in ways contractors don’t fully realize. Reviewing your subcontractor agreements and insurance structure can help reduce gaps and protect your business if something goes wrong.

What is an insurance broker, and why should I work with one?

An insurance broker is a licensed professional who works on your behalf to find the best coverage options from multiple insurance providers. Unlike agents who represent specific companies, brokers are independent and prioritize your needs. At Wedgwood Insurance, our experienced team provide unbiased advice, compare policies, and negotiate competitive rates to ensure you get the right protection for your home, vehicle, or business. With over 40 years of expertise in Newfoundland and Labrador, we’re dedicated to making insurance simple and straightforward for you.