Our specialty is in the commercial market, but whether your needs are commercial or personal, WD Risk Management Group can evaluate the amount of unique risk to you and fine tune your policy as necessary.

When was the last time you conducted a full audit to determine if you are over or under-insured?

Areas of Specialization

• Commercial:

• Property Casualty

• Commercial Property

• Builder’s Risk

• Commercial Auto

• Business Owner’s Policy

• Liability Insurance

• General Liability

• Directors/Officers

• Employment Practices Liability

• Professional Liability

• Products Liability

• Liquor Liability

• Various Coverages

Workers Compensation

• Online OSHA log

• Loss Control

• Workplace Assessment

• Mod Verification

• Cost containment strategies

• Ocean marine

• Umbrella/Excess Liability

• Product Recall

• Safety Handbook & Policies

• Safety program

• Lock out tag out

• Business Continuity

• Industry specific guides

• Operational threats

• Cybersecurity

• Environmental exposures

• Checklists


• Automobile

• Homeowner’s

• Rental Property

• Dwelling/Fire

• Personal Watercraft

• Personal Umbrella

• Condominium Insurance

• Motorcycle

• Veterinary Pet Insurance

Claims Cost Containment & Fraud Strategies:

From conducting an accident investigation to educational information on how to detect fraud, our claims cost containment resources help to minimize loss and to protect the bottom line. This includes proper reporting, accident investigation, implementing a return to work program, educating employees, etc.


Mod Verification:  We help you to better understand your mod rating and determine just how much you could be saving on your workers' comp premiums. Using your loss history information we can work together to create a targeted loss control program to decrease total costs.


Loss Control:  Our mission is to help you reduce employee injuries, reduce total cost of risk including insurance costs, promote continuous improvement in safety and improve OSHA compliance through strategic planning, program development and custom safety materials.

Business Continuity:  The purpose of business contingency planning is to define the recovery process developed to restore our clients' critical business functions, to deliver core services to customers, and to meet investor, legal or regulatory requirements.


Workers Compensation:  Our Workers’ Compensation resources help you to understand what contributes to total claim costs and ways to minimize your risk. From understanding your experience modification factor, or mod, to establishing Return to Work program activities, a sampling of our workers’ compensation solutions for frontline managers and employees includes:


Online OSHA Log:  A simple yet effective tool that tells you if a claim is recordable or not. Reports can be instantly run with claims benchmarking.


Safety Handbook & Policies:  We provide access to a large collection of workplace safety materials that help you to develop, audit, enhance and support your safety program and workplace practices quickly and easily. We also provide easy access to the legislative information you need through our Legislative Briefs Publication.


Nick Morenzi

Executive Vice President


Jonathan Delmage

Sales Consultant

Resource Center

Could your HR department use extra support?

WD offers a wealth of time-saving HR tools, guides, and educational resources: print-ready employee flyers featuring health, safety and wellness topics, legislative information and communication and other HR administration tools.

Below is a sampling of WD's client resources.



Corporate Office

34 Hemingway Drive

East Providence, RI 02915

Phone 401-435-4239

Fax 401-435-5060


Additional Offices

Newport, RI

North Kingstown, RI

Hoboken, NJ