Reducing Your Commercial Risk

Before you can reduce your Total Cost of RiskT(TCOR), you need to know what it is. Wedgwood will look at your entire organization to help determine your TCOR and use our unique suite of Risk Reducing ServicesT to help control your TCOR over time.

By combining our suite of Risk Reducing Services with a comprehensive insurance program, you've taken important steps towards managing your Total Cost of RiskT. We specialize in insurance for many sectors including construction, bonding, oil supply and service, manufacturing, retail and realty just to name a few.  We have access to the leading insurers in Canada as well the international Lloyds market. We have a broad range of clients from small retail stores all the way to some of Atlantic Canada's largest corporations.  Our trained team of brokers have the ability to provide customized solutions to meet the needs of most businesses.

All our services are designed to address the four key areas of concern for businesses:

• Profits
• Clients
• Employees
• Survival

Our services include

• Corporate Risk Assessment - We'll compare your procedures against best practives and help you identify risk areas for your business. We start at the top with CEO and Leadership, and work through other key areas to give you a better picture of your TRUE TOTAL COST OF RISK.
• CEO and Leadership Training- Most CEO's are telling us they are spending 20-30% of their time doing what they do best. They started their business for flexilbility and freedom and now the business owns them! Our goal is to turn the 20% into 50-80% prodcutive use of time and get rid of the Noise that keeps CEO's form growing their business.
• Return on Human Capital- Recuiting and Retaining the best employees is a huge challenge. The cost of a bad hire is estimated to be 4 to 6X salary. Employees are not engaged. Our Kolbe Certified consultant can help you find better ways to hire the right people, keep your best, and maximize the strengths of your team. What would a 10-15% improvement in productivity mean to your company?
• Business Continuity Planning -  50% of businesses never fully recover from an interruption in business. Do you know how much it would actually cost you to be shut down for a week, or a month? What step by step plan do you have in place to get back to business as soon as possible? Let us guide you through the process.
• The Healthy Workforce Plan - Reduces the Risk associate with an unhealthy workforce, a huge, unmeasured cost to many businesses. Are your employees really at work, or are they "just present"?
• Fleet Management -Keeping control of the costs associated with drivers, vehicles, maintenance and fuel can be a challenge. Let us show you better ways to deal with these common business problems.
• Risk Transfer - As an independant broker, we can analyze your operation, select the right company and coverages and put strategies in place to control your insurance costs.

DOWNLOAD OUR WHITE PAPER - BUSINESS CONTINUITY PLANNING FOR INDEPENDANT ENTERPRISES. Find out why a Business Continuity Plan (BCP) is vital to your business survival and why you need more than a comprehenive business insurance program to ensure your company survives in the even of an interruption to your company's normal course of business.

DOWNLOAD OUR WHITE PAPER - WHY YOU NEED A STRATEGIC HIRING PLAN. Find out some of the steps you need to take to retain and recruit the best people for your organization. This isn't only an HR issue, it's a Strategic Business issue for businesses of all sizes.

Now Available - On-line risk Management!!

Now our clients can manage their Risk Reduction Plans on-line. In partnership with ClearRisk, Wedgwood Insurance has helped customize a unique solution to make it easier for our clients to help build, create and track the progress of Risk Reduction Plans. Designed to help improve your companies profitability, we can help retain your cusomers and employees and ensure you survive in the event of a disaster.

Contact us to learn more about how ClearRisk can help you manage the risk in your business. Existing Wedgwood Clients can log-in to their Clear Risk Account by clicking on the ClearRisk logo below.