Commercial General Liability

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CGL Insurance for Businesses

Commercial General Liability (CGL) is considered foundational insurance protection for business owners. It protects your business from a loss if you are found legally liable for bodily injuries or property damage to a third party that occurred on your premises or operations. This insurance also covers injuries or damagers to third parties that may be caused by a product or service your business offers. The coverage will also offer protection in situations where you or your staff are conducting business offsite and are found negligent due to your operations. A CGL policy is designed to covers costs that the insured becomes legally obligated to pay as compensation for bodily injury or property damage to a third party.

3 Main Types of Commercial General Liability Exposures


  • Bodily Injury

    Insures against 3rd party bodily injury a result of your product, operations, an accident at your premises or an off-site location or negligence on the part of one of your employees.

  • Property Damage

    Insures against 3rd party property damage resulting from your product, operations or damage caused by an employee.

  • Advertising Injury

    Insures against claims of stolen ideas, invasion of privacy, libel, slander and copyright infringement related to advertising.

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Who needs Commercial General Liability Insurance?

Commercial general liability insurance is recommended and required for all types of businesses and is often a contractual requirement. Regardless of your industry or the size of your business, owners risk exposure in various forms of liability.

Consequences of operating without CGL insurance include:

Financial Strain

Without CGL, financial strain can occur from being required to pay all costs associated with legal processes and financial losses stemming from the lawsuit, out of pocket.

Reputational Damage

Legal encounters can cause negative publicity which can hurt your reputation with clients and in turn, negatively impact revenue.

Opportunity Losses

Without CGL, your company may be denied opportunities for not meeting contractual obligations for projects or having sufficient requirements for leasing commercial spaces.

Lack of Financial Support

Without CGL, most lending institutions will not approve financing agreements.

Having the right insurance coverage in place will safeguard your business, provide peace of mind and help mitigate the losses you experience from liability claims.

No Two Liability Policies are Alike

There are dozens of insurance companies in Canada offering General Liability Insurance but no two policies are alike. It is important that you choose to work with an experienced insurance broker that can explain the intricacies of each policy wording. Your broker should understand your industry and take time to learn the true exposures of your business to ensure that you are properly protected from any 3rd party liability exposures. While pricing is always an important consideration, proper coverages should be your main deciding factor.

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How to Purchase Commercial General Liability?

Commercial General Liability can be purchased as a stand-alone insurance policy or as part of a Commercial Package Policy.

The cost of Commercial General Liability insurance and amount of coverage you will require depends on the following factors:

  • Type of work performed
  • Site/ location
  • Contractual or lease obligations
  • Number of employees
  • Annual revenues
  • Specified coverages
  • Limits of insurance
  • Deductibles
  • Claims/loss history

FCA is Canada’s Insurance Expert Since 1919

FCA has been providing Canadian companies with insurance since 1919. We have set the industry standard for turnaround time for both new and existing clients. We pride ourselves in ensuring our clients are receiving the best suite of coverages at a fair price.


Working with an experienced and knowledgeable insurance broker who knows your industry and takes the time to understand your business is key to securing suitable insurance protection.

To get started with obtaining CGL, business owners will typically be assessed on your years in business, experience level, claims history (including frequency and severity) and your reputation in the industry.

Sources of information typically required to obtain coverage include:

  • Detailed description of your business operations
  • General Liability Application (to be provided by your FCA Advisor)
  • Financial Statements for your Company
  • Loss Experience/Claims History
  • Site and Operation Inspections/Surveys

As your advocate, FCA will advise you on how to confidently address and manage claims. We will ensure that your claims are processed efficiently and effectively. FCA partners with the best claims professionals to ensure that we can make difficult situations as simple as possible.

Hired and non-owned auto liability insurance is a coverage found most often on commercial general liability policies. This coverage provides protection for the business in the event an employee gets into an at-fault auto accident while driving their own personal vehicle or any other vehicle not owned as well as a rented vehicle over the course of their work day.

Why Choose FCA Insurance?

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Ease of Doing Business

We set the industry standard for turnaround time for both new and existing clients, you can expect excellence.

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Trusted by Insurance Markets

Outstanding relationships with all of the most reputable insurance markets in the industry, giving you the power of choice.

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Insurance is What We Do

Our industry leading team boasts eighty dedicated and licensed professionals ensuring a smooth and efficient experience.



Laura does the work to get us the best prices with the best coverage.  She also keeps us abreast of the new types of insurance that a business such as ours might need.  Her yearly renewal visit is comprehensive to say the least, but when she leaves, we all understand the exact nature of each and every policy our business has.


FCA covers us for all our business requirements, from equipment to liability, property, builds and everything in-between. Errol Williams is so patient and helpful; I am always confident that we are getting the best possible coverage at a competitive rate. Always the best service!


Jamie and his team have been great to deal with, providing transparent advice and excellent service!

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Our mission is to make insurance accessible. We put you in control of your insurance experience. FCA informs and empowers you, so you can choose amongst robust options, confident in the value of your protection and in the broad reach of your advocates.

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