Commercial & Liability Insurance

Commercial and Liability Insurance with Cluett Insurance

Insurance Designed For Every Aspect Of Your Business

Cluett Insurance offers multiple property and liability insurance product options and unique solutions to help protect your business from risks and exposures. With access to over 30 insurance markets, our commercial insurance team is equipped to help find a product to suit your business needs.

Commercial Insurance In Nova Scotia

The most common types of commercial insurance are property and liability.

Property Insurance

Property Insurance
Whether you own/lease your office or work from home, property insurance protects your physical assets against loss or damage.

Liability Insurance

Liability Insurance
As an entrepreneur, a single liability claim could put you out of business. Liability insurance protects your business against potential costly lawsuits.

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


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.