COMMERCIAL GENERAL LIABILITY
What Is Commercial General Liability Insurance?
Commercial General Liability (CGL) insurance helps protect businesses against covered claims arising from third-party bodily injury, property damage and other liability exposures associated with their operations, products or completed work.
Whether you operate from a commercial location, work at customer sites, manufacture or distribute products, or perform contracting work, the right CGL policy can help protect your business when an unexpected covered liability claim occurs.
What Can CGL Insurance Cover?
Common liability protections that may form part of a commercial general liability policy.
Third-Party Bodily
Injury
Claims involving injury to third parties arising from covered business operations
Property Damage
Covered claims involving accidental damage to property belonging to others.
Products & Completed Operations
Claims involving injury to third parties arising from covered business operations
Personal & Advertising Injury
Certain covered personal and advertising injury allegations.
Legal Defence Costs
Defence costs associated with covered liability claims, subject to policy terms.
Tenant's Legal Liability
Certain covered damage to premises rented or occupied by the insured.
Coverage is subject to policy terms, conditions, limits, deductibles and exclusions.
Who Needs Commercial General Liability Insurance?
CGL insurance is an important part of many commercial insurance programs and may also be required by customers, landlords, municipalities or contractual agreements.
Contractors & Trades
Construction, mechanical, electrical and other trade businesses.
Manufacturers & Wholesalers
Manufacturing, fabrication and wholesale operations.
Roofing Contractors
Commercial and residential roofing operations.
Commercial Property Owners
Owners of commercial and investment properties.
Snow Removal & Landscaping
Commercial snow removal and landscaping operations.
Professional & Service Businesses
Professional and commercial service operations.