General Liability Insurance2020-01-09T13:39:32-05:00

Commercial General Liability Insurance

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

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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.

CGL Coverage

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.

CGL - Professions

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 rent an office or commercial space
CGL Costs

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

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Which professions require General Liability Insurance

Regardless of the type of business you run, general liability insurance is critical:

  • 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

Common scenarios where General Liability Insurance is useful

Retail shop - fallen customer

The sign that hangs above your retail store entrance was not installed correctly and has fallen onto a pedestrian as they passed on the sidewalk. The accident has left the pedestrian with serious injuries and she sues.

contractor dropping tools

You are working on a client’s home when you accidentally drop a hammer on to their beautiful hardwood floors. This results in $10,000 worth of damage in order to replace their floors.

Commercial Insurance for Restaurants

Your clothing product is built out of a material that causes skin allergy to the customer. Product liability insurance will cover your costs in such a scenario.

Frequently Asked Questions about General Liability Insurance

What does a general liability insurance policy cover?2019-05-10T12:27:08-04:00

A general liability policy covers legal expenses and settlements related to bodily injury or property damage to a third-party. The most common scenarios usually involve accidents and injuries: trip-and-falls are the leading cause of injury hospitalization in Canada.

How much liability insurance do I need?2019-05-10T12:29:49-04:00

Most small businesses opt for a $2M policy, but every business faces different risks so definitely work with your insurance provider to find the right policy for your business. Also, consider your budget and how much you can afford to pay in premiums as policies with more coverage usually cost more.

How is general liability insurance calculated?2019-05-10T10:33:01-04:00

General Liability Insurance costs are calculated based on a few different factors such as industry, projected revenues, and the number of years in operation. Insurance companies have collected decades’ worth of data to predict the risk associated with different industries, business sizes, and many other factors to help them calculate your yearly premium cost.

How do I get general liability insurance for my business?2019-05-10T12:28:21-04:00

Get in touch with your local insurance broker or request an online quote from a digital brokerage like Zensurance. A digital brokerage has a number of benefits over local brokers including speed, ease of use and lower costs. All insurance brokers, digital and traditional, have a fiduciary responsibility to protect your best interests and should help you find the right policy for your business.

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