Please note that Rod and Danielle don’t sell or promote any type of insurance product. That is what brokers are for – and they’re great at it. Nor are they affiliated with, or working for, any insurance company. Alderwood’s focus is two-fold; partnering with companies and individuals to offer risk management and claims advocacy services normally reserved for large corporations, and offering those same people an engaging and insightful look into how to be a better, smarter insurance customer through educational presentations.
Maybe you’ve caught one of our insurance talks, or you heard about us from a friend or business associate. No matter how you found your way here, this is the place to get the unparalleled peace of mind that comes with a customized insurance and risk assessment consultation. Rod and Danielle’s wealth of insurance education and experience will be applied across your entire operation, resulting in a thorough, personalized assessment aimed at helping you prevent losses, utilize your insurance dollars to best effect, and protect the financial life that you’ve worked so hard to build.
Risk Management Services
Home-Based Business/Contractor
- Included in this package:
- Review of all existing policies and/or new policy recommendations
- Assessment profile of operations and potential risks
- 30 minute phone/Zoom advisory session (customer’s choice)
- Summary report of findings and recommendations
- Customer Criteria:
- No Business Premises – Home, Online, or Customer Visit-Based Operations
- Operations Less Than $200,000 Annually
- Maximum Two Employees
- National Operation (Sales/E-Commerce Businesses)
- Single Province Operation (Service Businesses)
- Maximum One Company Vehicle
Small Business
- Included in this package:
- Review of all existing policies and/or new policy recommendations
- Assessment profile of operations and potential risks
- On-site inspection of business premises
- 60 minute phone/Zoom advisory session (customer’s choice)
- Summary report of findings and recommendations
- Customer Criteria:
- Single Business Premises Less Than 5000 Sq. Ft.
- Single Location Rental Properties Less Than Six Units
- Operations Less Than $1,000,000 Annually
- Maximum Ten Employees
- National Operation (Sales/E-Commerce Businesses)
- Single Province Operation (Service Businesses)
- Maximum Two Company Vehicles
- Family Farm Operation
Excludes Any Of The Following (Must Be Quoted As Mid-Size Operation):
Liquor Sales/Service, International Operations (Sales or Service Businesses), Historic Building Occupation, Automobile Fleet Policy Holder, Hazardous Goods Handling/Exposure, Aircraft/Watercraft Exposure, Environmental Exposure
Multi-Location/Mid-Size
- Included in this package:
- Review of all existing policies and/or new policy recommendations
- Assessment profile of operations and potential risks for each business premises
- On-site inspection of business premises
- 60 minute phone/Zoom advisory session (customer’s choice)
- Summary report of findings and recommendations
- Customer Criteria:
- Multiple Business Premises
- Business Premises Over 5000 Sq. Ft.
- Multiple Location/Greater Than Six Unit Rental Properties
- Operations Greater Than $1,000,000 Annually
- Greater Than Ten Employees
- Large Fleet/Auto Policy Holder
- Multi Province Operation (Service Businesses)
- International Operation (Sales/E-Commerce Businesses)
- Commercial Farm Operation
- Liquor Sales/ Service
- Historic Building Occupancy
- Hazardous Goods Handling/Exposure
- Aircraft/Watercraft Exposure
- Environmental Exposure
Additional Services (Quoted on Hourly Basis)
3D Imaging Of Business Premises
One of the best ways to avoid struggling to remember what you had after a loss is to properly document your premises and its contents before something happens. In addition to the regular photography included in our service packages, we are able to create a full 3D photographic record of your property – making remembering what you have and where it was so much easier.
Ongoing Risk Management Support
Things change in business; you may be growing, or have different needs than the last time Alderwood profiled your operations. For past customers looking for updated advice on new property or practices, special rates are available.
Updated Insurance Policy Review & Recommendations
If your insurance rates are suddenly in flux or your claims history has become an issue, we can work with you and your broker on ideas for restructuring your risk profile – potentially saving you money or avoiding the inconvenience and cost of changing insurers.
Liaising With Insurance Company/Broker For New Policy/Renewal Recommendations
Taking out a new insurance policy, or renegotiating your current ones, can be stressful or confusing. If you’re feeling a little at sea, or want help discussing your new risk management solutions with your insurance provider, help is at hand.
Risk Management Consultation & Policy Review For Personal Property Clients
Protecting yourself and preventing losses isn’t just a smart idea for businesses; we offer the same risk management strategies and services for individuals.
Claims Advocacy Services
Claim Advice & Guidance
No matter how carefully you plan, a loss can still happen. And if it does, there are questions to be answered and actions to be taken. Whether it’s the proper way to protect your premises after it suffers damage, the pros and cons of putting in a smaller claim, or a review of whether or not the insurance company is offering you a fair settlement, Alderwood can help.
Specialist Advice & Recommendations
While insurers can have preferences on body shops or building contractors, ultimately the choice of who to hire rests with the owner. Knowing your options, and how to choose a service professional that is right for you and your claim, can make a big difference to the outcome. It’s advice that can really pay off in the long run.
Liaising With Your Adjuster, Insurance Company, or Legal Representation
Sometimes a claim goes sideways – your adjuster or insurance company isn’t responding to your calls in a timely manner (or at all), the settlement or service that you’ve been offered doesn’t seem fair to you, or you’re debating getting a lawyer involved after an injury. Our many years of experience with the claims process can help you find a path through these issues or questions, and offers a bridge of expertise between a stalled claim and successful resolution.
Umpire Services During Claim Disputes
When every avenue has been explored, and you and the insurance company can’t seem to come to terms, arbitration can be the last step in settling a dispute. The claims resolution process can be confusing and stressful, but whether it’s explaining the process and potential outcomes or acting as an umpire between sides, we are able to help.