Commercial General Liability Insurance (CGL)
Whether you’re a one-man-show landscaper, an established general contractor, or a family owned and operated restaurant; almost all businesses need a Commercial General Liability Insurance (CGL) policy in order to cover daily operations. Depending on your business class, you may even be able to get an inst
- Instant online quotes
- Electronic policy documents
- Select the coverage that matters to you
- Automated renewal reminders
- Reliable underwriters
- Next day coverage
Coverage for Operations
Your business deserves insurance protection for your daily operations. This is one of the primary forms of coverage your CGL package includes.
Business Lawful Defense Costs
Should legal action be taken against you or your business, you are responsible for defense costs. A CGL policy covers defense costs such as lawyers in the event of a claim.
Court Settlements & Damages
Penalties imposed by the courts, federal or provincial, can be costly. You can rest easy knowing that if you're found negligent in your business operations, you're covered.
Business Property & Equipment
This protects your company assets such as equipment, tools, and office contents that may be damaged by an insured peril. This can include items like computers, contents, furniture, etc.
Learn more about Commercial General Liability Insurance
What is Commercial General Liability Insurance (CGL)?
Commercial General Liability (also called CGL) is an essential coverage for almost all companies as a part of general business insurance. This policy will protect an organization against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations. Standard limits for a CGL policy range from $1,000,000 to $10,000,000 depending on your business operations and needs.
Why do I need Commercial General Liability Insurance?
Damages arising from liability claims can be quite costly. We’ll arrange a policy that shields you and your company from not only bodily injury and property damage claims, but the expenses of out-of-court settlements, litigation, and judgments awarded by the courts as well. If damages are filed against your organization or you are sued, our reliable insurers will cover the costs for investigation, attorney expenses, and medical expenses in the case of injury.
What types of businesses need CGL coverage?
If your business offers goods or services of any kind, you’ll need a Commercial General Liability insurance policy. Types of operations that require insurance include:
- General Contractors
- Electricians
- Food Trucks, Carts & Trailers
- HVAC Contractors
- Plumbers
- Landscaping
- Restaurants
- and more…
How much does Commercial General Liability Insurance cost?
The cost of your insurance policy will depend on certain variables including the type of business, operations, annual revenues, number of employees, deductibles, specified coverages, and the limit of liability requested. We are able to offer terms with premiums as low as $500 for annual coverage.
Please note that completing our application for insurance does not cost anything or require you to proceed with the coverage once a quote is provided – customer service is our first priority.
Is there additional coverage available?
We are able to offer various types of business insurance coverage to supplement your Commercial General Liability, including:
- Professional Liability (Errors & Omissions)
- Commercial Property (Buildings, equipment, tools, stock, etc.)
- Directors & Officers Insurance (D&O)
- and more…
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