Our Commercial Brokers have the expertise to get the coverage
you need at the best price. 20+ Insurance Markets
Just call 250-412-0932!

Cover Holder at Lloyds Insurance Canada

Business Insurance for your Professional & Commercial Operations

Why Choose Us?

For our Expertise

At Harbord, we have a department dedicated exclusively to Business Insurance. Business Insurance is different from other kinds of insurance, and obtaining the right coverage is vital. When you contact Harbord to talk with a commercial property or business broker, you’ll be referred to one of the most knowledgeable Business Insurance brokers in the Province.  Just call 250-412-0932 for a quote.

Whether it’s commercial general liability, commercial property, office insurance, contractors insurance, directors & officers liability, professional liability or retail business insurance, our experts work with you and help you find the correct business insurance for your company.
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Your Dedicated Business Insurance Team

Susan Nicklen, CIP

Senior Commercial Insurance Broker

Susan brings 30+ years of experience specializing in commercial & business insurance, both as a broker and senior commercial underwriter with a major insurer. Experienced with all classes of business insurance including commercial property, casualty, surety, crime, equipment breakdown, errors & omissions and director’s liability.

Joanne Perry, CIP

Senior Commercial Insurance Broker

Joanne is responsible for small and mid-size business accounts. She brings 30+ years of experience specializing in business insurance, both as a broker and senior commercial underwriter with a major insurer. Experienced with all classes of commercial and business insurance.

Patricia Whitefield, CAIB

General Manager

Patricia brings 30+ years of experience as an insurance broker which include many years brokering commercial & business insurance.

Why Choose Us?

To Save Money

Odds are, you’ll find that we come up with a significantly lower price. Our job is to obtain the best pricing on your behalf and to do that we shop the marketplace for quotes. In the last 12 months, we’ve used two dozen markets to place businesses on behalf of our business & commercial insurance clients.

Here are some of our Insurance markets:

Click to get more information on some of our Business Insurance Products

  • Commercial General Liability Insurance

    Protects your business if you’re found legally liable for injuries or property damage caused by completed work, your product or any unfortunate incidents on your property involving customers or visitors, or at your customer’s location. Coverage can include:

    • Bodily harm and property damage liability
    • Personal injury liability
    • Medical payments
    • Tenant’s legal liability (if you rent or lease your workspace)
    • Commercial Umbrella liability protection with additional limits, including coverage for lawsuits outside of Canada

  • Commercial Property Insurance

    Protects your physical assets such as building, stock, equipment, and computers, including equipment removed from your premises (at a client’s business, temporarily in transit). It includes standard coverage for loss due to fire, theft or vandalism and covers the cost to rebuild or repair the business property.
    You’re also covered for loss of business income in the event of a claim.
  • Office Insurance

    Service providers and professionals have special business insurance needs. Whether you use specialized equipment, work offsite or consult clients in your office, let us make sure that your business is covered.
  • Contractors Insurance

    Whether you’re a general contractor, sub-contractor or construction tradesperson, you need coverage that protects you, your employees, your building materials and your equipment – on the job, in the shop, and in transit.
  • Directors and Officers Liability Insurance

    Directors and officers of a corporation or board need financial protection against claims from the board’s or corporation’s activities.
    These individuals, whether paid or working as a volunteer, are held liable for actions of a fiduciary nature. These actions could be a breach of duty, a misstatement, error or omission in your capacity as a director or officer of the corporation or board.
  • Professional Liability Insurance

    Also known as Errors and Omissions insurance, this form of liability insurance that helps protect professional advisors, consultants and other service providers from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
  • Retail Business Insurance

    In retail, you work with the public every day, which exposes your business to many risks. We can help you protect your business against general liability, business interruption, contents, and inventory theft, building and equipment claims, equipment breakdown or other unexpected events.


For general Business Insurance inquiries or to get a quote email commercial@harbordinsurance.com