Commercial General Liability Liability Insurance

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This the most basic type of coverage almost all businesses should purchase, and everything else then gets arranged around it. But like any party, you will have to plan to have more than just cake (i.e., other types of insurance policies will be needed).

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What does small business liability insurance cover?

Injuries to customers, suppliers or visitors that happen at your office

Injuries to customers, suppliers or visitors that happen at your office

Injuries that happen off-site by your employees

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

Damage to someone else’s property caused by an employee in the course of doing business

Injury caused by libel or slander

Injury caused by libel or slander (i.e., reputational “injury”)

Who requires Liability insurance?

Liability insurance 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.

What is liability?

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.

What is CGL insurance?

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



Bodily injury

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:

  • Customers
  • Employees
  • Maintenance personnel
  • Vendors
  • Delivery persons

Property damage liability

Property damage liability 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.

What does it not cover?

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.

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VP Finance of Evree Corp

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Locations

Locations where we currently offer Commercial general liability insurance (CGL) in Canada

ONTARIO

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  • Toronto
  • Ottawa
  • Mississauga
  • Brampton
  • Hamilton
  • London
  • Markham
  • Vaughan
  • Kitchener
  • Windsor
  • Barrie
  • Belleville
  • Brant
  • Brantford
  • Brockville
  • Burlington
  • Cambridge
  • Clarence-Rockland
  • Cornwall
  • Dryden
  • Elliot Lake
  • Greater Sudbury
  • Guelph
  • Haldimand County
  • Kawartha Lakes
  • Kenora
  • Kingston
  • Niagara Falls
  • Norfolk County
  • North Bay
  • Orillia
  • Oshawa
  • Owen Sound
  • Pembroke
  • Peterborough
  • Pickering
  • Port Colborne
  • Prince Edward County
  • Quinte West
  • Sarnia
  • Sault Ste. Marie
  • St. Catharines
  • St. Thomas
  • Stratford
  • Temiskaming Shores
  • Thorold
  • Thunder Bay
  • Timmins
  • Toronto
  • Waterloo
  • Welland
  • Windsor
  • Woodstock
  • GTA
  • Ajax
  • Clarington
  • Brock
  • Oshawa
  • Pickering
  • Scugog
  • Uxbridge
  • Whitby
  • Burlington
  • Halton Hills
  • Milton
  • Oakville
  • Caledon
  • Aurora
  • East Gwillimbury
  • Georgina
  • King
  • Newmarket
  • Richmond Hill
  • Whitchurch-Stouffville
  • Mono
  • Orangeville
  • Bradford West Gwillimbury
  • New Tecumseth
  • Towns
  • Ajax
  • Amherstburg
  • Arnprior
  • Atikokan
  • Aurora
  • Aylmer
  • Bancroft
  • Blind River
  • Bracebridge
  • Bradford West Gwillimbury
  • Bruce Mines
  • Caledon
  • Carleton Place
  • Cobalt
  • Cobourg
  • Cochrane
  • Collingwood
  • Deep River
  • Deseronto
  • East Gwillimbury
  • Englehart
  • Erin
  • Espanola
  • Essex
  • Fort Erie
  • Fort Frances
  • Gananoque
  • Georgina
  • Goderich
  • Gore Bay
  • Grand Valley
  • Gravenhurst
  • Greater Napanee
  • Grimsby
  • Halton Hills
  • Hanover
  • Hawkesbury
  • Hearst
  • Huntsville
  • Ingersoll
  • Innisfil
  • Iroquois Falls
  • Kapuskasing
  • Kearney
  • Kingsville
  • Kirkland Lake
  • Lakeshore
  • LaSalle
  • Latchford
  • Laurentian Hills
  • Lincoln
  • Marathon
  • Mattawa
  • Midland
  • Milton
  • Minto
  • Mississippi Mills
  • Mono
  • Moosonee
  • New Tecumseth
  • Newmarket
  • Niagara-on-the-Lake
  • Northeastern Manitoulin and the Islands
  • Oakville
  • Orangeville
  • Parry Sound
  • Pelham
  • Penetanguishene
  • Perth
  • Petawawa
  • Petrolia
  • Plympton-Wyoming
  • Prescott
  • Rainy River
  • Renfrew
  • Richmond Hill
  • Saugeen Shores
  • Shelburne
  • Smiths Falls
  • Smooth Rock Falls
  • South Bruce Peninsula
  • Spanish
  • St. Marys
  • Tecumseh
  • The Blue Mountains
  • Thessalon
  • Tillsonburg
  • Wasaga Beach
  • Whitby
  • Whitchurch-Stouffville

ALBERTA

  • Calgary
  • Edmonton
  • Red Deer
  • Strathcona County
  • Lethbridge
  • Wood Buffalo
  • St. Albert
  • Medicine Hat
  • Grande Prairie
  • Airdrie
  • Brooks
  • Camrose
  • Chestermere
  • Cold Lake
  • Fort Saskatchewan
  • Lacombe
  • Leduc
  • Lloydminster
  • Red Deer
  • Spruce Grove
  • Wetaskiwin
  • Athabasca
  • Banff
  • Barrhead
  • Bashaw
  • Bassano
  • Beaumont
  • Beaverlodge
  • Bentley
  • Black Diamond
  • Blackfalds
  • Bon Accord
  • Bonnyville
  • Bow Island
  • Bowden
  • Bruderheim
  • Calmar
  • Canmore
  • Cardston
  • Carstairs
  • Castor
  • Claresholm
  • Coaldale
  • Coalhurst
  • Cochrane
  • Coronation
  • Crossfield
  • Daysland
  • Devon
  • Didsbury
  • Drayton Valley
  • Drumheller
  • Eckville
  • Edson
  • Elk Point
  • Fairview
  • Falher
  • Fort Macleod
  • Fox Creek
  • Gibbons
  • Grande Cache
  • Granum
  • Grimshaw
  • Hanna
  • Hardisty
  • High Level
  • High Prairie
  • High River
  • Hinton
  • Innisfail
  • Irricana
  • Killam
  • Lamont
  • Legal
  • Magrath
  • Manning
  • Mayerthorpe
  • McLennan
  • Milk River
  • Millet
  • Morinville
  • Mundare
  • Nanton
  • Okotoks
  • Olds
  • Onoway
  • Oyen
  • Peace River
  • Penhold
  • Picture Butte
  • Pincher Creek
  • Ponoka
  • Provost
  • Rainbow Lake
  • Raymond
  • Redcliff
  • Redwater
  • Rimbey
  • Rocky Mountain House
  • Sedgewick
  • Sexsmith
  • Slave Lake
  • Smoky Lake
  • Spirit River
  • St. Paul
  • Stavely
  • Stettler
  • Stony Plain
  • Strathmore
  • Sundre
  • Swan Hills
  • Sylvan Lake
  • Taber
  • Thorsby
  • Three Hills
  • Tofield
  • Trochu
  • Turner Valley
  • Two Hills
  • Valleyview
  • Vauxhall
  • Vegreville
  • Vermilion
  • Viking
  • Vulcan
  • Wainwright
  • Wembley
  • Westlock
  • Whitecourt

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