Injury and property damage allegations
Ask how the proposed policy addresses the declared premises, operations, products and completed work. General commercial liability insurance in Canada is subject to the actual insured activities and wording.
Make this coverage review specific to your business
Third-party injury and property damage allegations need to be distinguished from professional errors.
Prepare these details
Operations, contracts, products, premises and subcontractors.
Ask before accepting a proposal
Which operations, products and completed work are included in the description?
Start my business enquiry →Hypothetical situation
A customer alleges an injury arose from business operations.
Ask which wording, conditions and notification requirements would apply. A scenario does not establish coverage or guarantee an outcome.
Business insurance
Commercial General Liability Insurance
Commercial general liability insurance, or CGL, addresses certain claims that a business caused bodily injury or property damage to others. The insured activities, exclusions and policy limits determine the scope.
20%
What could a lower premium mean for you?Illustrative example: $2,400 → $1,920 per year is $480 less. Not an available offer. Try your own numbers →
Business liability, explained.Explore injury and property damage risks
Know what the policy addresses.Review exclusions and endorsements
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Recent business insurance purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
How Insurance Genie works
Insurance Genie is an insurance request platform, not an insurer or insurance brokerage. Requests may be connected with participating licensed partners. Availability depends on your location, needs and partner eligibility. A request is not a quote or confirmation of coverage.
Coverage questions for your business
Use these topics to frame a discussion with the licensed professional handling your request. They are questions to review, not a promise that every item is included in a policy.
- Premises and operations
- Products and completed operations
- Contractual requirements
- Defence costs and policy limits
Information to prepare for a useful request
- Detailed business operations
- Revenue and customer locations
- Products and subcontractors
- Contracts and required limits
Describe the full activity, including work away from the main premises and any secondary services. An incomplete description can make two proposals look comparable when they are based on different information.
Compare the wording as well as the price
Ask for the named insured, business description, covered locations, policy limits, deductibles and key exclusions. Check how defence costs, property valuation and any required endorsements are treated. A policy title alone does not tell you what an individual claim would receive.
If a landlord, lender, marketplace or customer has supplied insurance conditions, provide the actual document. Ask the licensed professional to identify requirements the proposed policy does and does not satisfy. A certificate is evidence of stated coverage; it should not be treated as a rewrite of the policy.
Cost and availability
The price depends on the business activity, scale, location, claims history and selected protections. Request a review using your own facts instead of treating a generic industry range as a quote.
Insurance Genie connects requests with participating licensed partners. Products, territories and eligibility vary. Confirm who is handling your request and when any offered coverage would take effect.
Your questions, answered
Commercial general liability insurance solutions, explained
A commercial general liability policy is one part of a business insurance review.
Contracts and limits
Send customer and landlord requirements. Ask about limits, deductibles, defence costs and any additional insured wording, rather than treating a certificate as proof that every contract condition is met.
Professional and specialist risks
Professional mistakes, cyber incidents, pollution and other specialist exposures may need separate discussion. A broad commercial general liability label does not establish those protections.
How should I compare commercial general liability policy insurance terms?
Start with the same operations, sales territories, limits and contract obligations. Have exclusions and conditions explained with examples relevant to the work, and ask which other coverages need review.
Does commercial general liability apply wherever my business works?
Describe every place where your business operates, sells products or performs work. Ask the professional to explain the proposed territorial limits, insured activities and exclusions. The business address alone does not establish where a policy responds.
Questions before you request coverage
Does CGL cover professional mistakes?
Do not assume it does. Discuss errors and omissions insurance if a client could claim a financial loss from your advice, design or professional service.
What should I send with my insurance request?
Prepare the activity description, current insurance, recent claims details and any contract requirements. Include the business-specific information listed on this page so the licensed partner can ask relevant follow-up questions.
Does submitting a request mean my business is insured?
No. A request is not a binder, policy or confirmation of coverage. The organization arranging insurance must confirm acceptance, terms and the effective date.
Before making a decision
This page is general information. Ask the licensed professional handling your request to explain the proposed wording, limits, deductibles and exclusions. Coverage must be confirmed by the organization arranging it.
Background reading: Consumer insurance coverage guidance. Content updated September 9, 2026; coverage and availability remain subject to confirmation.
Ready to prepare your request?
Contact us to discuss provider availability and the details needed for a useful conversation.
Explore my optionsBefore you compare
Commercial general liability insurance in context
Commercial general liability insurance is one part of a business insurance discussion. A commercial general liability policy should be checked against operations, contracts, limits and exclusions; the policy name alone does not establish what a claim will receive.
What should Ontario businesses compare in commercial general liability insurance?
Compare the insured entities, activities, liability limits, deductibles and any required endorsements. Give the professional the actual lease or customer contract and ask which conditions can be met.
Does CGL replace professional liability, vehicles or property insurance?
Do not assume it does. Ask separately about advice or professional services, owned vehicles, business property and other exposures. Have the professional explain how the proposed policies fit together and where exclusions remain.
A useful distinction before comparing
What is a general liability insurance example?
Consider a hypothetical customer who alleges they were injured after slipping at your business premises. A commercial general liability review asks whether the insured business, activity, event and alleged injury fall within the policy, and what limits, exclusions and defence provisions apply. This illustrates a liability allegation; it is not a real customer claim or a promise that a particular policy will pay. Damage to your own stock and an allegation of incorrect professional advice raise different coverage questions. Read IBC’s business coverage overview.
Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
A customer alleges an injury
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Equipment is damaged
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Operations are interrupted
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
