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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 (except the Province of Quebec).
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Essential Protection
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.
Business Protection
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
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Protect Your Business From Liability Claims
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Key Advantages
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.
Complete Coverage
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
Risk Awareness
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.
Get Answers
Frequently Asked Questions
Common questions about Commercial General Liability insurance coverage answered.
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.
Protect Your Business Today
Join thousands of Canadian businesses who trust Boardwalk for their CGL insurance needs. across canada (except the Province of Quebec)
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
