Commercial General Liability Insurance

Commercial General Liability Insurance is the core coverage that any business needs. It provides coverage for events that could financially ruin a business if the business was found liable. This is probably the most important part of any Business Liability Insurance policy.

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The CGL policy usually protects from liability arising from

  • Bodily Injury
  • Property Damage or loss
  • Personal Injury (includes slander)
  • Medical Expenses
  • Tenants Legal Liability

Please note that there currently is not a standard Commercial General Liability Policy in Canada at this time. It is very important to review the policy wordings and consult with your insurance advisor.

In the event of a covered claim, the insurance company pays the cost of the claim, damages, legal fees and settlements up to the limits of the policy and within the definitions of the policy.

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Who is insured under a Commercial General Liability Insurance policy?

  • Named individuals and spouses
  • Named Partners
  • Named Organization
  • Employees
  • Volunteers

What is normally excluded from a CGL?

Some policies will cover these exclusions if arranged in advance. For example, a construction company may need pollution coverage or coverage for pile driving.

  • Intentional injury or property damage
  • Compensatory Damages agreed to in a contract such as a “hold Harmless” contract
  • Obligations under Workmans Comp., Employment Insurance or other similar government coverage
  • Bodily injury during course of employment (this is workmans comp)
  • Property Damage due to a motorized vehicle accident
  • Property Damage to your product
  • Abuse and Harassment – this is EPL coverage
  • Pollution
  • War
  • Nuclear Energy
  • Use of Explosives or Pile Driving activity
  • Professional Liability
  • Fungi
  • Data
  • Terrorism
  • Asbestos
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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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