General Liability Insurance2018-11-29T22:08:55+00:00

General Liability Insurance

Regardless of the size of your business, having General Liability Insurance is critical.
This policy covers financial liability associated with running any type of business.

Join thousands of Canadian businesses that are already protected!

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What is General Liability Insurance?

General Liability Insurance, also known as Commercial General Liability Insurance (CGL) is the most basic type of business insurance that companies of any size should consider.

If business insurance was a birthday party, the General Liability Insurance policy would be the cake.

What Does General Liability Insurance Cover?

Usually a Commercial General Liability (CGL) policy covers:

  • Accidental injuries to customers or suppliers while visiting your office
  • Off-site injuries or property damage caused by an employee (e.g., while visiting a customer)
  • Injuries caused by the products you create or sell (“product liability”)
  • Injury caused by libel or slander (also known as “reputational injury”)

Policies can also shield you from the expense of attorney expenses, out-of-court settlements, litigation and judgments awarded by courts.

What is Not Covered?

Other policies may be required in addition to a commercial general liability insurance. Remember that CGL is the most basic insurance type and your specific business type and circumstances may call for specific extra coverage.

When getting a small business Commercial Liability Insurance policy, make sure to learn about the following extra coverage that may not included by default:

In almost all circumstances, general business liability insurance does not cover damages or injuries resulting from intentional acts.

Who needs General Liability Insurance?

Almost every business needs this type of insurance. If any of the following statements are true, you should consider getting General Liability insurance

  • You have clients or suppliers visiting your office or home
  • Your employees visit clients or suppliers
  • You sell a physical product
  • You rent an office or commercial space

What is the Cost of General Liability Insurance?

The cost of a Commercial General Liability policy varies according to factors such as:

  • Industry
  • Level of experience in the industry
  • Revenue
  • Number of employees
  • Location

The best way to find the optimal policy at a competitive rate is to shop around.

It’s quick and easy!

If Commercial Liability Insurance is what you need,
request a free quote now >

Which Businesses Require General Liability Insurance?

Regardless of the type of business you own, general liability insurance is critical for almost any business including:

  • Accountants

  • Accounting Firm

  • Actuaries

  • Advertising

  • Aerial and ground based Photographers / Videographers

  • Alternative Energy

  • Architects & Engineers

  • Appraisers

  • Bookkeepers

  • Broadcasters

  • Building Designers (Bill 124)

  • Business Consultant

  • Chiropodists

  • Civil engineers

  • Collection Agencies

  • Consultants

  • Chiropractors

  • Design Firms

  • Directors and Officers

  • Employment Agencies/Recruiters

  • Engineers

  • Environmental Engineers

  • Energy Audits & Assessments

  • Financial Advisors

  • Financial Planners

  • Foreign Legal Consultants

  • Holistic Professional

  • Hotel Consultant

  • Home Inspectors

  • Human Resources (HR) Consultant

  • Immigration Consultants

  • Information Technology & Computer Consultants

  • Interior Designers

  • IT Contractor

  • IT Specialist/Technician/Programmer

  • Independent Contractor

  • Product Designers

  • Professionals Liability

  • Lawyer’s Excess Professional Liability

  • Management Consultants

  • Medical Related

  • Medical Professionals (Malpractice Insurance)

  • Medical Students (Malpractice Insurance)

  • Multimedia designers

  • Mortgage Brokers

  • Naturopaths

  • Occupational Health and Safety Consultants

  • Quality Control Consultants

  • Placement Agencies

  • Podiatrists

  • Process Servers

  • Private Investigators

  • Project Managers

  • Property Managers

  • Paralegals

  • Publishers and Printers

  • Recruitment and Employment Agency

  • Recruitment Consultants

  • Safety Engineers

  • Service Organizations

  • Solar & Wind Farm Engineers & Consultants

  • Staffing Agencies

  • Structural Engineers

  • Sub Contractor

  • Surveyors

  • Therapist Professionals

  • Training Providers/Trainers

  • Travel Agencies

  • Travel Agents, Tour operators

  • Excess & Umbrella Liability

  • Web-Site Designers

  • Web Developers

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.

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Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.

★★★★★

Chris Chan, Dwello
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The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.

★★★★★

Melissa Kwan, Spacio
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The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.

★★★★★

Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

Intact Business Insurance Canada
Liberty Mutual Liability Insurance Canada
Aviva Commercial Insurance Canada
CHUBB Small Business Insurance Canada
Beazley Commercial Insurance Canada
Portage Mutual Insurance Canada
Trisura Small Dusiness Insurance
Trinity Underwriting Business Insurance Canada
Business Insurance Zen Man

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Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.