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Commercial General Liability Insurance

Essential protection for Ontario businesses against third-party claims. Shield your company from bodily injury, property damage, and personal injury lawsuits with comprehensive CGL coverage in Mississauga, Ontario, and across Canada.

What Is Commercial General Liability Insurance?

Commercial General Liability (CGL) insurance is the foundation of business protection for Ontario companies. It covers your business against claims from third parties alleging bodily injury, property damage, or personal injury caused by your operations, products, or services.

Bodily Injury Protection

Covers medical expenses, lost wages, and pain and suffering when someone is injured on your premises or due to your operations.

Property Damage Coverage

Pays for damage to someone else's property caused by your business operations, products, or services.

Who Needs CGL Insurance?

Almost every business in Ontario needs Commercial General Liability insurance. It's essential protection regardless of your industry, size, or location in the GTA.

  • Retail Stores & E-commerce
  • Restaurants & Food Service
  • Manufacturing & Industrial
  • Construction & Contractors
  • Healthcare & Medical Practices
  • Professional Services
  • Technology & Software Companies
  • Real Estate & Property Management
  • Transportation & Logistics
  • Entertainment & Events
  • Non-Profit Organizations
  • All Business Types

Key Benefits

Commercial General Liability insurance provides essential protection for your business and peace of mind for your future.

Third-Party Protection

Comprehensive coverage against claims from third parties alleging injury or damage.

Legal Defense

Coverage for legal expenses, court costs, and attorney fees when claims arise.

Settlements & Judgments

Payment of settlements or court-awarded damages up to your policy limits.

Business Continuity

Protect your business assets and maintain operations during legal disputes.

What Does CGL Insurance Cover?

Comprehensive protection against the most common business liability risks.

Bodily Injury

Coverage for injuries sustained by third parties due to your business operations.

  • Medical expenses
  • Lost wages
  • Pain and suffering
  • Funeral expenses

Property Damage

Protection against damage to someone else's property caused by your business.

  • Repair costs
  • Replacement value
  • Loss of use
  • Diminished value

Personal Injury

Coverage for non-physical injuries like slander, libel, and invasion of privacy.

  • Slander and libel
  • False arrest
  • Invasion of privacy
  • Wrongful eviction

Advertising Injury

Protection against claims arising from your advertising activities.

  • Copyright infringement
  • Misappropriation of ideas
  • False advertising
  • Defamation in ads

Legal Defense

Coverage for legal expenses even if allegations are groundless or fraudulent.

  • Attorney fees
  • Court costs
  • Expert witnesses
  • Investigation costs

Settlements & Judgments

Payment of settlements or court-awarded damages up to your policy limits.

  • Out-of-court settlements
  • Court judgments
  • Interest on judgments
  • Appeal bonds

Common CGL Claims

Understanding the types of claims CGL insurance protects against helps you assess your risk exposure.

Slip and Fall Accidents

Customer slips on wet floor, icy sidewalk, or uneven surface at your business location.

Example: A customer slips on a wet floor in your retail store and breaks their wrist.

Property Damage

Your business operations accidentally damage someone else's property.

Example: Your delivery truck damages a client's fence while making a delivery.

Product Liability

Your product causes injury or damage to a customer or their property.

Example: A product you manufactured malfunctions and causes property damage.

Advertising Injury

Your advertising activities result in claims of copyright infringement or defamation.

Example: Your ad campaign unintentionally uses copyrighted material without permission.

Frequently Asked Questions

Common questions about Commercial General Liability insurance coverage.

CGL insurance is the foundation of business protection that covers your company against claims from third parties alleging bodily injury, property damage, or personal injury caused by your operations, products, or services.

Almost every business needs CGL insurance. It's essential protection regardless of your industry, size, or location. This includes retail, restaurants, manufacturing, construction, healthcare, and professional services.

CGL covers bodily injury, property damage, personal injury (slander, libel), advertising injury, legal defense costs, and settlements or judgments up to your policy limits.

Coverage limits depend on your business type, size, industry risks, and potential exposure. Common limits range from $1M to $10M, with higher limits for high-risk industries.

CGL covers physical injury and property damage, while Professional Liability covers financial losses from professional advice or services. Most businesses need both types of coverage.

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