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 defense costs, regardless of the outcome of the lawsuit.
Who needs General Liability Insurance?
As a business owner, you come into contact with many third-partiers, 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 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 kind of physical good or perform a physical service.
What is the cost of General Liability Insurance?
We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.
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 help 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 know you’re busy, so let us do the shopping around.
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If General Liability Insurance is what you need, request a free quote now
Common scenarios where General Liability Insurance is useful
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.
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.
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:
Aerial and ground based Photographers / Videographers
Architects & Engineers
Building Designers (Bill 124)
Directors and Officers
Energy Audits & Assessments
Foreign Legal Consultants
Human Resources (HR) Consultant
Information Technology & Computer Consultants
Lawyer’s Excess Professional Liability
Medical Professionals (Malpractice Insurance)
Medical Students (Malpractice Insurance)
Occupational Health and Safety Consultants
Quality Control Consultants
Publishers and Printers
Recruitment and Employment Agency
Solar & Wind Farm Engineers & Consultants
Travel Agents, Tour operators
Excess & Umbrella Liability
Frequently Asked Questions about General Liability Insurance
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