Your Independent Liability Insurance Partner
Every business needs commercial insurance to protect employees, clients or customers, products, property and revenue against unforeseen loss, damage, injuries or lawsuits. Many businesses need to also consider specialized coverage that may include Cyber insurance, Directors and Officer Liability, Environmental, Trade credit, Political risk insurance and more.
Our independent liability insurance experts will learn about your business to identify unique risks and help you evaluate and purchase business insurance that truly meets your needs.
High Risk Liability
Certain trades, contractors, services and manufacturers face high-hazard risks every day. Whether it’s asbestos removal, height installations or services, demolition, or even operating a daycare centre with infants, or fitness facility with exercise equipment, each has specialized requirements for commercial coverage.
Professional Exposure
If your business offers professional services advice, you face additional risk not covered under general liability.
Legal Fees Coverage
Is there a chance your business could ever be sued? There is liability insurance that covers that. Coverage for legal defence costs in addition to liability coverage.
Specialty Commercial Liability Insurance Solutions
Cowan is an expert in Canada’s commercial liability insurance industry. No matter what type of business you own, we will create unique liability insurance coverage options so that you can choose what meets your needs.
Errors & Omissions Professional Liability Insurance
Many organizations assume that property and general liability insurance is sufficient to protect their business. If your business offers professional services advice, you face additional risk. Make sure you’re covered.
Directors & Officers Liability
Whether your organization is publicly traded, private or not-for-profit, your directors and officers can be held professionally and personally liable for financial and legal penalties resulting from professional misconduct, human resources violations, or operational decisions.
Environmental Liability Insurance
Many businesses have environmental exposure they may be unaware of, including but not limited to, improper disposal of hazardous materials, or even bi-products of regular vehicle maintenance. Ensure you are covered.
Customized Risk Management and Insurance Solutions
Hearing Service Professionals
While it’s important to provide the best experience and hearing instruments for your patients, it’s also vital to ensure that your assets, patient information and business are protected from unexpected events.
Best Western
Best Western International recognizes Cowan as a leader in risk management, and as such has endorsed us as their insurance supplier, offering commercial property and casualty coverage.
Cyber Risks Are Increasing
Learn how Cyber Insurance can protect your business from the growing threat of hacking, privacy and security breaches, ransomware and extortion.