General Liability Insurance

Commercial General Liability Insurance

Regardless of the size of your business, having Commercial General Liability Insurance is critical to its survival.
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What is  General Liability Insurance?

General Liability Insurance, also known as Commercial General Liability Insurance (CGL), protects you from common risks you can expect to face in your day-to-day business operations, including third-party property damage or bodily injuries.

Should you be sued, CGL also typically covers legal defence costs, regardless of the outcome of the lawsuit.

CGL Coverage

What does General Liability Insurance cover?

Commercial General Liability Insurance (CGL) typically includes coverage for legal costs and damages related to the following coverage areas:

  • Bodily Injury Liability: Coverage for injuries or damage to a third party person or property resulting from your business operations.
  • Product Liability: Coverage for property damage or bodily injury caused by a product you sell or supply.
  • Tenant’s Legal Liability: Coverage for the cost to repair or replace others’ property that you rent or occupy.
  • Personal and Advertising Injury Liability: Coverage for costs associated with allegations of defamation, libel, slander, or false advertising.

Commercial General Liability Insurance typically does not provide coverage for:

  • Contractual liability;
  • Intentional criminal acts;
  • Patent infringement; or,
  • Professional services or advice you provide (for this, you need Professional Liability Insurance).
CGL - Professions

Who needs General Liability Insurance?

As a business owner, you come into contact with many third-parties, including clients, vendors, and other businesses, who may be involved in an accident or claim your business caused them loss or damage.

You need this insurance policy if:

  • You have an office space or clients visit you at home.
  • You visit your client’s office space or home.
  • You have staff who conduct business off-site.
  • You sell any physical goods or perform a physical service.
CGL Costs

What is the cost of General Liability Insurance?

For a small to medium-sized business, you can anticipate spending $450.00 annually on a basic Commercial General Liability Insurance policy with a $2,000,000.00 limit.

When you fill out our online application, we will ask some questions about your business to better understand your needs. The following factors are taken into consideration when determining the best policy options for you: 

  • Years of Experience 
  • Annual and Projected Gross Revenue
  • Number of Employees 
  • Previous Insurance Claims 

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

Getting insured is quick and easy!

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

Common scenarios where General Liability Insurance is useful

Retail shop - fallen customer

Problem: Your client slips on the stairs on their way into your hair salon, resulting in a broken wrist. 

Outcome: The client successfully sues your business for bodily injury. Your CGL coverage covers the legal expenses and medical fees, totalling $25,000.

contractor dropping tools

Problem: You are hired to renovate a kitchen and accidentally damage your client’s hardwood floors. 

Outcome: Your CGL coverage policy covers the cost to repair the floors, totalling $10,000 in damages. 

Commercial Insurance for Restaurants

Problem: A customer suffers from severe food poisoning after dining at your restaurant.

Outcome: The customer successfully sues you for bodily injury. Your CGL policy covers the medical expenses and legal fees, totalling $15,000.

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

Frequently Asked Questions about General Liability Insurance

What does a general liability insurance policy cover?

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?

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?

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?

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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