Injuries to customers, suppliers or visitors that happen at your office
Injuries that happen off-site by your employees (e.g., while visiting a customer)
Damage to someone else’s property caused by an employee in the course of doing business
Injury caused by libel or slander (i.e., reputational “injury”)
One of the most common insurance policies bought by businesses is Liability Insurance, also referred to as commercial general liability insurance. Liability insurance protects your business from lawsuits that may impact your ability to continue operating your business as usual. It is important for any business owner to understand the risks that the business may face and have the right liability insurance coverages to protect from those risks.
Liaility Insurance refers to the damages to someone else, a third party, your company might be held responsibile for. Each business and industry has different risks and therefore the damages are different for each business and industry. That is why it is critical to have the right liability insurance coverage to protect your business from any claims it might face.
Liability Insurance can relate to different types of policies but it is common synonum for Commercial General Liability(CGL) insurance. The CGL insurance policy commonly protexts a business from liability due to to bodily injuries and/or property damage to a third party. CGL protection can extend to other scenarious that are unique to your business
If a third party (i.e., a customer or partner) is injured while at your business, they could sue you for damages. For instance, a customer enters your bakery, slips and breaks her leg and her brand new iPhone. You could be held liable and be asked to cover the costs associated with her injury and the replacement of the iPhone. The costs could include things such as medical bills, lost income due to her inability to work while injured, legal fees, court expenses and settlements.
Examples of who might be on your premisis and potentially be injured:
Property damage liability coverage protects you for damages to a third party's property. Making sure you have the right property coverage in your Liability
insurance will help protect you from damange to third party's property. An example could be your employee is visting a clients office and while at the clients office your employee destroys a piece of art. Your business could face claims by the client.
With the right property damage liability coverage you will be protected.
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Locations where we currently offer Commercial general liability insurance (CGL) in Canada
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