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.
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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:
- Cyber liability insurance
- Professional liability insurance
- Errors & Omissions Insurance
- Business interruption insurance
- Commercial property insurance
- Equipment breakdown insurance
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,
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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
Common scenarios where General Liability Insurance is useful:
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.
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.
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
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