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Specialty Insurance

Customized specialty insurance for your unique needs.

Get a Quote

Specialty Insurance

Customized specialty insurance for your unique needs.

Get a Quote

What is Specialty Insurance?

Specialty insurance refers to a type of insurance coverage crafted to protect against specific risks that are not typically covered under standard insurance policies. It is designed to provide tailored protection for unique, unusual, or higher-risk situations, catering to the specific needs of individuals, businesses, or industries that face distinct risks beyond the scope of conventional insurance products. Specialty insurance can encompass a wide range of products Professional Liability, Directors and Officers Liability, Medical Malpractice, Cyber Liability, and Pollution Liability.

Our Specialty Insurance Services

Whether you’re safeguarding your most prized possessions, protecting your niche business, or ensuring your family’s future, our comprehensive range of specialty insurance products has you covered. In a world brimming with uncertainties, having the right insurance isn’t just a choice—it’s a necessity.

Fits Your Personal and Business Needs

  • We understand there is no standard one-size-fits-all approach.
    Insurance doesn’t work for everyone, so we work individually with each client to reach their insurance goals.
  • We offer a suite of specialty insurance products.
    Products designed to cater to the unique aspects of your life and business.
  • We safeguard your most prized possessions.
    We also protect your niche business and ensure your family’s future.

Tailored for Your Needs, However Unique

The key characteristic of specialty insurance is its ability to be highly customized to address the risks and requirements of the policyholder, providing a level of coverage that goes beyond what is typically available in standard insurance policies. This makes it an essential component of risk management strategies for individuals and businesses dealing with unique or high-risk scenarios.

Why Choose Caldwell Roach Insurance?

Local Expertise, Personal Touch

Our roots run deep in the Maritime soil. Our agents are not just insurance experts; they’re your neighbours, familiar with the challenges and joys of Maritime living. They’re here to provide tailored advice, ensuring your coverage meets your individual needs.

24/7 Claims Services.

Open 8 am – 6 pm, Monday-Friday. We provide 24/7 claims services. We understand that questions and concerns don’t have a schedule, and neither does our commitment to you.

Claims Process: Fair, Fast, Focused on You

A claims process should be transparent, efficient, and above all, compassionate. We work tirelessly to ensure that your claims are handled swiftly and with the utmost care, so you can focus on what truly matters—rebuilding and moving forward.

What are Some Common Specialty Insurance Policies?

High-Value Asset Insurance

Protect your luxury items, from artwork and jewellery to high-end vehicles, with policies designed for high-value assets.

Professional Liability Insurance

Secure your professional practice against claims of negligence or malpractice, offering peace of mind for you and your clientele.

Event Insurance

From intimate gatherings to large-scale events, ensure every moment is worry-free with tailored coverage for unforeseen circumstances.

Cyber Insurance

In an increasingly digital world, it’s important to safeguard your digital assets against cyber threats and data breaches with robust cyber insurance policies. Whatever your needs, our specialty insurance products are designed to provide comprehensive protection, so you can focus on what matters most.

Specialty Insurance FAQs

The cost of a specialty insurance policy is influenced by several factors, including the nature and value of the item or risk being insured, the level of coverage desired, the policyholder’s history of claims, and the overall risk assessment based on specific circumstances. Our team works closely with you to assess these factors to provide a fair and competitive premium for your tailored coverage.

While standard insurance policies offer broad coverage, they often have limitations and exclusions, especially for unique, high-value, or high-risk items and situations. Specialty insurance fills these gaps, providing specific coverage tailored to protect against risks that standard policies may not cover, ensuring comprehensive protection.

The claims process for specialty insurance is designed to be smooth and efficient. In the event of a claim, you’ll be assigned a dedicated claims specialist who understands the nuances of your policy. They will guide you through every step, from initial documentation to the final settlement, ensuring a transparent and supportive experience.

Absolutely. We recognize that life is dynamic, and your insurance coverage should be too. Whether it’s a significant purchase, a new business venture, or a change in your digital operations, we’re here to adjust your coverage, accordingly, ensuring it always aligns with your current needs and risks.

If you possess high-value assets, are involved in unique business operations, face specific professional liabilities, or simply want coverage that goes beyond the ordinary, specialty insurance might be the right fit. We recommend scheduling a consultation with one of our insurance brokers who can analyze your situation and advise on the best coverage options to protect your assets and business.

Get a Quote Now!

Find a specialty insurance product suited to your lifestyle and budget.

Get a Quote