Commercial General Liabilty Insurance in British Columbia

Why We're the Right Choice for Your Business

As a Canadian company with a presence in your local community, we understand the challenges and risks you may be facing. We work with Canada’s leading insurance partners to get you the right coverage and value. 

With our local expertise and flexible coverage options, you can focus on growing your business while we work to secure the best solutions for your needs and help you protect what matters most.

Get a customized quote today and ensure your BC business is ready for the unexpected.

Commercial General Liability Insurance (CGL)

Also known as General Liability, CGL Insurance protects your British Columbia business against third-party claims of bodily injury, property damage that may occur during your business operations. This vital coverage ensures your BC business is safeguarded against unforeseen lawsuits, allowing you to focus on growth without the worry of unexpected liabilities.

Here’s what CGL insurance typically covers:

1. Bodily Injury  will help cover the cost of medical bills, legal fees, and potential settlements if someone is injured on your business premises or as a result of your business operations. For example, if a customer slips and falls in your store, CGL would cover their medical expenses and any legal claims.

2. Property Damage will help protect against the costs of damage to someone else's property caused by your business operations or employees. For example, if a contractor accidentally damages a client’s property while working, the CGL policy would cover the repair or replacement costs.

3. Personal and Advertising Injury will help cover claims related to defamation, libel, slander, false advertising, and other types of personal or advertising injuries. For instance, if your business makes a false statement about a competitor that causes harm to their reputation, CGL insurance would cover the legal costs involved.

4. Medical Payments will help pay for immediate medical expenses if someone is injured on your business property, regardless of who was at fault. This can include first aid or ambulance costs, typically without the need for a lawsuit.

5. Legal Defense Costs  will help cover legal fees and defense costs if your business is sued, even if the lawsuit is groundless. This can include attorney fees, court costs, and other litigation-related expenses.

6. Tenant's Legal Liability If you're renting commercial space, this coverage can help protect you against claims for damage to the property you’re leasing.

Wherever you business is located in Vancouver, Surrey, Burnaby, Richmond, Victoria, Kelowna, or elsewhere in British Columbia, a business insurance expert will get you commercial coverage that uniquely protects what you do.