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We are problem solvers and solutions providers. Having started and run businesses, and having deep risk management experience, we are very good at getting results that others can't and fixing problems that others run away from. Most brokers under-service small accounts, and don't understand large/complex accounts. We dig in to understand every one of our clients business better, we communicate it more effectively to the insurance market, and we work with clients to make them the best risk they can be. That results in reduced risk related costs, better insurance rates, better coverages, and overall improved business results.

Small Business
Price is very important, but so is having the right coverage, and the right advice about business risk. Optimized Insurance makes sure Small Business get the same service as Big Businesses.

Big/Medium Business
Bigger companies in NL need advice and service to help them be more successful. Optimized Insurance gives bigger organizations the risk management and service that large multinationals have to pay people full time for.

New Business
We love helping small business people! Optimized Insurance brokers have started and run numerous businesses. We help get you the right insurance at the best price for your budget, and you get the same advice and guidance of big, established companies.

We offer all Commercial Insurance policies such as:

  • General Liability
  • Professional Liability/Errors and Omissions (E&O)
  • Directors and Officers (D&O)
  • Cyber Risk
  • Property
  • Crime
  • Surety/Bonding
  • Marine
  • Environmental
  • Vehicle/Fleets

We work with all types of business including:

  • Manufacturers
  • Retail/Hospitality
  • Construction
  • Technology
  • Not For Profit
  • Charities
  • Startups
  • Film/Television
  • Professional Services
  • Adventure Tourism
  • Special Events
  • Real Estate
  • Public Sector & Utility

Optimized Risk & Insurance Ltd.

PO Box 21364
100 Elizabeth Avenue
St. John's, NL A1A 5G6

Contact details

E-mail address:

Phone: 709.700.0080

Available 24/7