Commercial General Liability (CGL) Insurance

The policy behind almost every certificate a client will ever ask you for.

Commercial general liability — the policy most people mean by 'business liability insurance' — responds when your business injures a third party or damages their property — a customer slips at your premises, your crew damages a client's floor, a product you sold causes harm. It is the foundational policy of Canadian commercial insurance, and the one behind nearly every 'proof of insurance' request you'll receive.

We arrange CGL for Ontario businesses of every size, with limits matched to your contracts and certificates issued as fast as your deals need them.

What's covered

Third-party bodily injury and property damage
Products and completed operations liability
Personal and advertising injury (libel, slander, false arrest)
Medical payments regardless of fault
Legal defence costs, in addition to policy limits
Damage to rented premises

Good to know

Frequently asked questions

How much does CGL insurance cost in Ontario?: Premiums are driven by your industry, revenue, and claims history — many low-risk small businesses pay a few hundred dollars a year for $2 million in coverage, while contractors and hospitality run higher. We quote your class across our panel to find the real market price.
What limit of CGL do I need?: $2 million per occurrence is the working standard for most Ontario businesses; municipal, institutional, and large-corporate contracts often require $5 million. Check your contracts — we'll match the limit and the certificate wording.
Does CGL cover my professional advice?: No — advice and service errors are professional liability (E&O) territory. CGL handles physical injury and property damage; many businesses need both, and we quote them together.

Insurer partners

Insurers we compare for commercial general liability (cgl) insurance

We shop these partners to find the right coverage and price for you.

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Frequently asked questions

How much does CGL insurance cost in Ontario?

Premiums are driven by your industry, revenue, and claims history — many low-risk small businesses pay a few hundred dollars a year for $2 million in coverage, while contractors and hospitality run higher. We quote your class across our panel to find the real market price.

What limit of CGL do I need?

$2 million per occurrence is the working standard for most Ontario businesses; municipal, institutional, and large-corporate contracts often require $5 million. Check your contracts — we'll match the limit and the certificate wording.

Does CGL cover my professional advice?

No — advice and service errors are professional liability (E&O) territory. CGL handles physical injury and property damage; many businesses need both, and we quote them together.