The foundation of every business insurance program — protect against third-party claims.
Get a Free Quote →Commercial General Liability (CGL) Insurance is the most fundamental coverage for any business operating in Ontario. It protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury that arise from your business operations, products, or premises.
Whether you're a contractor, retailer, consultant, or service provider, CGL insurance is often the first policy you need — and frequently required by clients, landlords, and lenders before you can sign a contract or lease.
Most commercial leases in Ontario require tenants to carry a minimum of $2 million in general liability coverage. Without it, you may not be able to sign a lease or win contracts that require proof of insurance.
Coverage if a third party is injured because of your business operations or on your premises.
Protection if your business causes damage to someone else's property.
Claims arising from products you've sold or work you've completed.
Coverage for claims of libel, slander, copyright infringement, or wrongful eviction.
Your insurer covers legal fees to defend you — even if the claim is groundless.
Minor medical expenses for third-party injuries regardless of fault — avoids costly lawsuits.