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Commercial General Liability Insurance Coverage 101

How Does General Liability Insurance Work In Canada? – ALIGNED Insurance Broker

Commercial General Liability Insurance Coverage 101

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A standard insurance policy issued to businesses & organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

Related Matters: Commercial General Liability Insurance Coverage was first introduced in 1986 and is often also referred to as a “comprehensive” general liability policy.

Why Is Commercial General Liability Insurance Coverage So Important?

Common law, which applies in all provinces in Canada except Quebec (where they operate under Civil Law) has established that business owners owe a duty of care to the public regardless of the type of business they operate. Unfortunately, accidents happen and injured people or parties may allege the following three things:

  1. A duty of care was owed
  2. That duty of care was breached
  3. Damages and/or injuries were incurred
Commercial General Liability insurance

When the above the conditions are met people, parties and or their lawyers will often allege that a business has been negligent and that the business is responsible for compensating them for their damages.  Demands for compensation can come in written and or verbal format and can be made by the injured party directly or by a lawyer representing the injured.  This is commonly known as personal injury law and in this area of law, lawyers will typically work on a “contingent” basis, which means the injured party pays nothing up front and the lawyer only gets paid if they receive an award or settlement from the organization they allege is at fault.

What’s Part Of Commercial General Liability Insurance Coverage?

Typically, commercial general liability insurance coverage includes:

The above is only a brief summary of some of the main sections that are part of typical commercial general liability insurance coverage.

An ALIGNED Advocate can provide expert guidance about commercial general liability insurance coverage and risk management best practices for your organization. Talk to one of our advocates today about how we can help you secure the best products, services and insurance solutions for your business.

ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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