Business
What Is Commercial General Liability (CGL)?
Commercial General Liability (CGL) is the foundational business liability policy. It covers third-party bodily injury, property damage, and personal injury (such as libel or slander) arising from your operations, premises, or products, plus legal defence.
CGL is what most clients, landlords, and municipalities require before you can work or rent — often asking to be named as an additional insured on a certificate of insurance. It does not cover professional advice (that is E&O) or damage to your own property.
Questions about Commercial General Liability?
Our Ontario brokers can explain how it applies to your policy.
Talk to a Roughley brokerRelated coverage
Reviewed by Roughley Insurance Brokers Ltd. — licensed Ontario insurance brokers since 1945. Last updated May 29, 2026. ← Back to the glossary