Commercial & Liability Insurance

Commercial and Liability Insurance with Cluett Insurance

Commercial Insurance Designed For Every Aspect Of Your Business

Cluett Insurance offers commercial insurance products to help protect businesses from risks and exposures.

With access to over 30 insurance markets, our commercial insurance team is equipped to find a product to suit your business needs. We offer multiple property and liability insurance product options and unique solutions, so you can choose the coverage that best meets the needs of your business.

Whether you’re looking for protection for your commercial property, liability, or workers’ compensation, we can help you find the right coverage at the right price. Contact us today to learn more about our commercial insurance products and how we can help protect your business.

Commercial Insurance In Nova Scotia

The most common types of commercial insurance are property and liability. A business may be subject to some of our other, more specific commercial insurance plans. You can find out exactly what you need by speaking to one of our friendly (and local) staff.

Property Insurance

Property Insurance
Protect your hard work and investments with property insurance! Don’t let a random accident or natural disaster wipe away the assets you have built up – shield yourself against potential losses so that no matter what happens, you can rest easy knowing all of your physical office belongings are shielded.

Liability Insurance

Liability Insurance
Entrepreneurship can be a rewarding but risky endeavor. A single claim of liability could cause serious financial hardship and even ruin your entire business – that’s why it is essential to protect yourself with the right kind of insurance coverage! Liability Insurance shields you from expensive legal battles, giving peace of mind so you can focus on growing your enterprise worry free.

Other Types Of Commercial Insurance

Commercial Vehicle Insurance

Commercial Vehicle Insurance

No matter the kind of vehicle your business relies on, commercial vehicle insurance is there to protect the vehicle that drives your business.

Directors’ and Officers’ Liability

Directors’ and Officers’ Liability

Directors and officers have a duty to exercise due diligence and are required to act in the best interest of the business/organization.

Cyber Breach

Cyber Breach

For businesses that sell through e-commerce or maintain electronic data on their customers, a breach can ruin the business.

Numbers Don't Lie. Are You Covered?
$10.1 B

$10.1 billion were claimed by businesses in Canada last year according to the Insurance Bureau of Canada.

Commercial & Liability Coverage Options:

  • Bonding
  • Business Interruption
  • Commercial Liability
  • Construction
  • Crime
  • Cyber/Privacy Breach
  • Directors’ and Officers’
  • Pollution Liability
  • Professional
  • Property

Should you have commercial insurance?

Commercial insurance is an important part of running a business. It can help protect your company’s assets and cover any medical or legal expenses associated with a business-related incident. When deciding whether commercial insurance is right for your business, there are several things to consider.

First and foremost, think about the type of commercial coverage you need. Different types of businesses require different levels and types of commercial insurance protection. For example, if you own a restaurant, you may need liability coverage to help cover any medical or legal expenses that may come up in the event of an accident. On the other hand, if you run a manufacturing business, you may need commercial property insurance to protect your equipment and building from risks like fire and theft.

It’s hard to know exactly what you need, speak to a broker and they can help you find exactly what you need without breaking the budget.


It depends. Most commercial insurance policies have a condition that states the policy may not be transferred to someone else without the insurance company’s written consent. Often, if ownership has changed and the insurance company is willing to continue coverage they will want to cancel the old policy and issue a new one. We recommend to speak with your insurance broker when changes to your insurance are being made.

Auto insurance is mandatory in Nova Scotia and PEI. In general, if you use your vehicle for business or work (other than commuting), a commercial auto insurance policy is necessary.

Learn more about the difference between personal vs. commercial auto insurance.

Commercial insurance can save you from a financial catastrophe if something goes wrong. It can cover:

  • Professional mistakes made by you or an employee that can negatively impact your clients.
  • Damage to equipment or property related to fire, vandalism, windstorm, etc.
  • Lost income due to business closure.
  • Data breaches and cyber attacks.

Yes! The most common types of commercial insurance are property, liability, and worker’s compensation. Depending on the nature of your business you may want additional coverage. Speak with an insurance broker to help customize your insurance policy.