Liability Insurance

Safeguard your business from unexpected legal and financial risk.

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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 a unique liability insurance coverage solution that fits 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.

Errors & Omissions Insurance

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.

Directors & Officers Insurance

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.

Environmental Liability

Customized Risk Management and Insurance Solutions

Cabinet Manufacturers & Installers

Whether you are a solo residential cabinet installer or a mutli-employee cabinet manufacturing business, your business faces a multitude of unique risks and liabilities.

Cabinet Manufacturers & Installers

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.

Hearing Service Professionals

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.

Best Western

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We help you understand a wide range of business insurance products and services









Does your business rely on your supply chain?

Supply Chain Insurance is specially designed to protect the revenue of businesses that import, export, manufacture, assemble and distribute goods.

Supply Chain

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.

Learn More About Cyber Protection