CANADA

What is general liability insurance?

General liability is the most essential insurance for your business.

General liability insurance also referred to as ‘commercial general liability (CGL) insurance or ‘business liability insurance,’ protects a business against the risk of accidents like bodily injury and property damage that happen to a third party. If you don’t have it and something happens while you’re on the job, one big claim could put you out of business. With general liability insurance, you’ll have the protection you need to stay focused on building your business.

What does general liability cover?

General liability insurance can investigate and defend claims, along with paying for damages, if you’re held responsible for things like:

Learn more about coverage

Bodily Injury

Your workplace may have slip and fall hazards. Should a client injure themselves while visiting your workplace, you could be liable for their medical expenses as well as pain and suffering.

Property Damage

You may visit your client’s home to perform your services. Should you damage their property during the course of your work, you could be responsible for replacing or repairing the damaged property.

Personal and Advertising Injury

A part of your job involves advertising your company to grow the business. Should one of your rivals claim that your advertisement damaged their reputation, you could be liable for defamation.

Who needs general liability insurance?

If you work face-to-face with third parties, you probably need CGL.

From a tool flying at an innocent bystander to a costly spill during a client meeting, you’re always at risk of bodily injury or property damage on the job. Because it’s a “floating coverage” that can protect you wherever you work, you should think of CGL as an essential protection for your business.
(Basically, if you interact with anyone, anywhere, for any reason? We’re talking to you.)See if you’re covered