Built for business
in Atlantic Canada.

Cal LeGrow is trusted by over 4,000 business leaders right here in Newfoundland and Labrador. We’re proud to manage risk solutions for 1 out of every 4 businesses in the province.

Being your insurance advisor is just the tip of the iceberg for our team at Cal LeGrow. You get more than just a policy with us, you get a partnership that delivers exceptional service to help keep your business safe.

The complete solution

Whether you’re operating a big business or starting out small, we’ll customize an insurance solution that’s designed for your needs.

Connect App

Take care of business, whenever you want. Add drivers, make updates to your policy, issue your certificate of insurance, or grab your proof of insurance. Anytime. Anywhere.

Our claims service never closes

We know you want to be back in business as soon as possible, which is why we offer 24-7 claims service, 365 days a year.

Flexible payment options

Go ahead and use your favourite points card, we offer flexible ways to pay.

Cal LeGrow Foundation

The Cal LeGrow Foundation is a private not-for-profit corporation established to direct the charitable giving of Cal LeGrow Insurance and its employees in Newfoundland and Labrador.

Cal Concierge

Our team of dedicated personal and commercial insurance specialists work alongside each other to ensure we’re delivering the right solutions for all your needs.

Choose a type of insurance to learn more about what we offer at Cal LeGrow.

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Group Insurance

As a business, it’s increasingly difficult to retain employees. Nobody wants to lose their incredible workforce only to have to spend money to attract and train new employees. It’s a pain, and one that you as a business owner can avoid by setting yourself apart from other employers with a competitive health benefits package.

A great insurance package is one of the best ways to retain your key employees, reduce turnover, and save the financial expenses associated with hiring and training. The cost of such a policy is considered a business expense, and can in fact be deducted as such. In fact, most policies don’t even require your employees to undergo a medical examination.

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Commercial Auto Insurance

From single vehicles to thousand-unit fleets, commercial auto insurance safeguards your possessions in the event of an auto accident and assists with costs associated with vehicle damage or theft.

Our commercial auto policies can cover:

  • Liability incurred while loading and unloading company vehicles.
  • Medical expenses and lost wages that are caused as a result of an accident.
  • A temporary rental or replacement vehicle to continue your day-to-day operations in the event that your vehicle is damaged in an accident.
  • Fleet insurance for businesses operating with more than five vehicles.
  • Garage liability insurance for businesses storing customer vehicles.
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Commercial Property Insurance

Your commercial property, for all of its usefulness, has the potential to seriously hurt your company financially. Fires or floods threaten huge losses. You could face being unable to pay employees because your funds are redirected to repair serious damage.

Avoid these situations with commercial property insurance, which can cover everything from furniture and equipment, to paper records of accounts receivable, to your company’s intangible property like goodwill and trademarks.

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Builders Risk Insurance

Construction projects present a unique and complex set of issues. Whether you’re the property owner or a contractor, the risks inherent to your profession are not normally associated with an average property policy. Having builders risk insurance protects your property while it’s undergoing construction, renovation, or repair.

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Equipment Breakdown Insurance

To operate at its best capacity and keep revenue up, your business depends on equipment. An untimely breakdown in this equipment could spell disaster. Equipment Breakdown Insurance covers a multitude of expenses, lost income, and losses incurred to your goods and services.

We want to help you avoid financial troubles as a result of machinery breakdown, with coverage that will help you get back up and running as quickly as possible with little or no financial loss. It may cost more than simply repairing the equipment. From loss of income to damaged goods, Cal LeGrow can help you decide how much or little coverage your unique business needs.

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Commercial Liability Insurance

No business is perfect, and mistakes may unintentionally be made on occasion. In the event your business is found legally responsible for physical, psychological, or financial harm to another person or their property, commercial liability insurance is the protection you need.

Our insurance advisors are experts on the unpredictable nature of business liability, with generations of experience to draw from, and will build a coverage package specifically for your needs.

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Professional Liability Insurance

Business leaders know and trust Cal LeGrow with their companies, safe in the knowledge that our team builds the best coverage policies for your unique business.

Professional liability coverage encompasses two types of insurance policies:

General liability covers expenses incurred if you are found legally liable for personal injury or property damage caused by your product. It also covers accidents that occur on your commercial property or at your customer’s location. General third-party liability is included in general liability coverage, which covers the following types of claims:

  • Injuries resulting in physical damage or loss.
  • Property damage or loss.
  • Personal or advertising injury, including slander or libel.
  • Medical expenses.

Errors and omissions covers a growing number of claims due to new occupations that are held to higher service standards. If you charge a fee for a service, you may be held liable for financial losses in the following scenarios:

  • Breach of contract.
  • Defective designs.
  • Delay in delivery.
  • Inaccurate advice or information.
  • Typographical errors.
  • Incorrect appraisals.
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Directors and Officers Liability

To avoid a potential lawsuit, both for-profit and nonprofit organizations will find this type of coverage useful. Protect the members of your board of directors, as well as others responsible for overseeing your business.

Directors and officers liability insurance ensures those individuals aren’t held personally liable for losses due to an error, omission, or negligent act, and may cover legal defense fees.

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Cyber Crime Insurance

If your business uses technology including cell phones, laptops, and tablets – you’re at risk for cyber crime. The more complex and sophisticated technology becomes, the greater the level of threats faced by businesses across all industries.

Cyber crime insurance protects you not only from hackers and stolen files, but also from the accidental sharing of private records and more.

Managing exposure to these risks is an essential part of your business coverage. Our team at Cal LeGrow is here to help ensure your business is properly protected from this real and growing threat.

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Commercial surety bonds protect you and/or your company from risks including fraud, misrepresentation, and monetary loss. For some, bonds are required to be in place before business activities begin.

To ensure your project gets completed, and that all terms within a contract are fulfilled, you may benefit from a contract surety bond.

Our approach at Cal LeGrow is first listen to your needs to learn about your unique position in the marketplace. Based on our initial work together, we’ll provide you with options and creative ways to use commercial and contract surety bonds to reduce your risks doing business.

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Shareholder Agreements – Buy Sell Agreements

A Shareholder agreement is a legally binding agreement between co-owners of a business that shifts continuous authority over to one co-owner if the other co-owner leaves a business, dies or becomes disabled.

What’s currently on our website: A legally binding agreement between co-owners of a business that governs the situation if a co-owner leaves a business, dies or becomes disabled.

Without a shareholders agreement you can end up with a business partner that you don’t want, if an active shareholder becomes disabled, to the extent they can no longer work in the business, if you don’t have an agreement then you might have a stalemate as to how to deal with their shares.
Having a plan in place in the event that one of the shareholders gets an offer to be bought out.

With an agreement, the other partner(s) may get a chance to buy those shares before they can be purchased by someone outside the company.

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Key Person Insurance

If an employee crucial to the function of your business becomes disabled, would day-to-day activity continue as usual, or would disorder and uncertainty ensue? Would you be able to maintain the same level of business expectations and revenue stream? Key person disability insurance could help you answer these questions with confidence.

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