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.
Whether you own/lease your office or work from home, property insurance protects your physical assets against loss or damage.
Other Types Of Commercial 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 have a duty to exercise due diligence and are required to act in the best interest of the business/organization.
For businesses that sell through e-commerce or maintain electronic data on their customers, a breach can ruin the business.
Commercial & Liability Coverage Options:
- Business Interruption
- Commercial Liability
- Cyber/Privacy Breach
- Directors’ and Officers’
- Pollution Liability
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.