Commercial General Liability protects your business if someone claims you caused bodily injury, property damage, or personal injury. It's the backbone coverage landlords and clients ask for first. CGL sits at the core of most commercial insurance in Ontario and is usually the first policy in a business insurance package. We'll assess what your options are, so you can feel good knowing you have exactly what you need.
If someone is hurt or their property is damaged and your business is alleged to be responsible, CGL responds to defend you.
Not all injury is physical. CGL often helps with things like libel, slander, and certain advertising-related allegations.
Most leases and vendor agreements require CGL before work starts. We set it up correctly the first time.
Job sites create constant third-party exposure, and contract requirements can be strict. We match your policy to your scope of work, subcontractor setup, and the coverages your clients expect.
Slip and falls, customer injuries, and accidental damage to a client's property are classic CGL claims.
If a product or completed work causes damage later, you want products and completed operations addressed correctly to avoid gaps.
Leases often require liability coverage in place to limit liability to building owners should a claim damage your unit or the building. We coordinate requirements to keep you compliant and protected.
Job sites create constant third-party exposure, and contract requirements can be strict. We match your policy to your scope of work, subcontractor setup, and the coverages your clients expect.
Slip and falls, customer injuries, and accidental damage to a client's property are classic CGL claims.
If a product or completed work causes damage later, you want products and completed operations addressed correctly to avoid gaps.
Leases often require liability coverage in place to limit liability to building owners should a claim damage your unit or the building. We coordinate requirements to keep you compliant and protected.
General Liability is the core coverage all businesses need
We shop quotes with dozens of carriers to make sure you get the right coverage at the right price. Reach out to us today
The main factors are your operations, revenue and payroll, years in business, claims history, where you work (in-shop vs job sites), subcontractor usage, and any U.S. exposure. We present your business clearly so you get the best terms the market will offer.
$2M is common for smaller contracts and some leases. $5M+ is common for contracting, property, and many commercial leases. $10M+ shows up for municipalities and larger projects. We align this to your contracts so you are not re-quoting mid-stream.
We have dedicated team members to fast track Certificate of Insurance (COI) requests. Time is money and our commitment to you is service.
The main factors are your operations, revenue and payroll, years in business, claims history, where you work (in-shop vs job sites), subcontractor usage, and any U.S. exposure. We present your business clearly so you get the best terms the market will offer.
$2M is common for smaller contracts and some leases. $5M+ is common for contracting, property, and many commercial leases. $10M+ shows up for municipalities and larger projects. We align this to your contracts so you are not re-quoting mid-stream.
We have dedicated team members to fast track Certificate of Insurance (COI) requests. Time is money and our commitment to you is service.
Public liability is the common name in the UK and Australia for coverage that protects a business when a member of the public is injured or their property is damaged. In Ontario, that protection is sold as part of a commercial general liability (CGL) policy, which also adds products and completed operations coverage.
If a landlord, a venue, a municipality or an overseas client asks for proof of public liability insurance, a CGL certificate of insurance is normally what satisfies it. We confirm the limit and any additional insureds the contract calls for before we issue it.
Public liability is the common name in the UK and Australia for coverage that protects a business when a member of the public is injured or their property is damaged. In Ontario, that protection is sold as part of a commercial general liability (CGL) policy, which also adds products and completed operations coverage.
If a landlord, a venue, a municipality or an overseas client asks for proof of public liability insurance, a CGL certificate of insurance is normally what satisfies it. We confirm the limit and any additional insureds the contract calls for before we issue it.
Business liability insurance is the everyday name for commercial general liability. It responds when your business is blamed for injuring someone or damaging their property, such as a customer who slips in your store or a client's floor damaged during an install, and it pays legal defence and settlements. Your own tools, stock and building sit under commercial property insurance.
A $1M limit can suit some home-based and very low-risk businesses, but many landlords and clients now treat $2M as the minimum for leases and smaller service contracts. $5M is common for contractors, commercial property owners and larger client agreements, and municipal or major project work can call for more. We read your lease and contracts and set the limit that keeps you compliant without overbuying.
Business liability insurance is the everyday name for commercial general liability. It responds when your business is blamed for injuring someone or damaging their property, such as a customer who slips in your store or a client's floor damaged during an install, and it pays legal defence and settlements. Your own tools, stock and building sit under commercial property insurance.
A $1M limit can suit some home-based and very low-risk businesses, but many landlords and clients now treat $2M as the minimum for leases and smaller service contracts. $5M is common for contractors, commercial property owners and larger client agreements, and municipal or major project work can call for more. We read your lease and contracts and set the limit that keeps you compliant without overbuying.
CGL is essential, but it doesn't cover everything. CGL is designed for third-party claims. The most common surprises are product/completed work assumptions, tenant exposure, professional services, and exclusions like pollution.
Not usually by law for most businesses, but it is commonly required by landlords, clients, lenders, and municipalities. Even when it's not required, it's one of the most practical policies a business can carry.
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