- How much does commercial general liability (cgl) insurance cost in Davin?
- The cost of commercial general liability (cgl) insurance in Davin depends on your specific details, coverage, and deductible. The best way to know is a free quote — as an independent broker we compare 17 insurers to find your lowest price.
- How do I get commercial general liability (cgl) insurance in Davin?
- Request a quote online in minutes or call Insurabiz at 613-355-3130. We'll compare our full panel of insurers to find the right commercial general liability (cgl) insurance for you in Davin.
- Why use a broker for commercial general liability (cgl) insurance in Davin?
- A broker works for you, not one insurer. We shop the whole market at once to find the best commercial general liability (cgl) insurance coverage and price in Davin — with local advice and an advocate at claim time.
- What does commercial general liability insurance cover?
- It covers damages and defence costs when your business is legally liable for bodily injury or property damage to someone else, including injuries at your premises, damage caused by your operations, and harm from products you sold or work you finished. It also covers personal injury offences such as libel and false arrest, minor medical payments, and fire damage to premises you rent.
- What is the difference between occurrence and claims-made coverage?
- An occurrence policy responds to injury or damage that happens during the policy period, even if the claim is made years later. A claims-made policy responds to claims first made while it is in force, subject to a retroactive date. Canadian CGL is usually written on an occurrence basis, while professional liability, cyber and D&O are usually claims-made.
- How much CGL coverage do I need?
- Start with your contracts. Leases, municipal permits, general contractors and large customers usually state a minimum each-occurrence limit, often $2 million or $5 million, and sometimes a separate products and completed operations aggregate. Then consider your worst realistic claim. Limits above what the primary insurer offers are usually added through an umbrella policy.
- Are legal defence costs included in my limit?
- Under standard Canadian CGL wording, defence costs are paid as supplementary payments and do not reduce the limits of insurance. A $2 million policy pays up to $2 million in damages with defence on top. The insurer's duty to defend ends once the limit has been paid out in judgments or settlements.
- What is an additional insured?
- An additional insured is a person or organization, such as a landlord, general contractor or customer, added to your CGL by endorsement. It gets direct rights under your policy for liability arising out of your operations or premises. Contracts often require it, and it must be added to the policy itself, not only shown on a certificate.
- Does CGL cover injuries to my employees?
- No. CGL excludes bodily injury to your own employees arising out of their employment. Workplace injuries are handled by provincial workers' compensation where it applies. Where workers are not covered by workers' compensation, or a claim falls outside it, employer's liability insurance fills the gap.
- Does CGL cover mistakes in my professional advice?
- No. CGL covers physical injury, property damage and specific personal injury offences. Financial loss caused by your advice, design or professional service is the job of professional liability, also called errors and omissions insurance. Many consultants, designers and technology firms need both policies, written to fit together.
- Who can be sued after a slip and fall in Ontario?
- Anyone who is an occupier under the Occupiers' Liability Act, which includes whoever is in physical possession of the premises and whoever controls their condition or activities. A tenant, landlord, property manager and snow contractor can all be named. For snow and ice injuries, written notice must generally be given within 60 days.
- Does my CGL cover claims in the United States?
- It depends on the coverage territory in your wording, which varies between insurers. Some Canadian forms define the territory as Canada and exclude suits brought in the United States, while others extend to US claims on conditions. If you travel, ship or work across the border, confirm the territory and any conditions in writing before you go.
- How is CGL insurance priced?
- Insurers apply a rate for your class of business to an exposure base, usually annual revenue, payroll or square footage. The rate reflects your operations, premises, products, contracts and subcontracting, then adjusts for limits, deductible and loss history. A bookkeeper and a roofer with the same revenue pay very different premiums.
