Commercial General Liability (CGL) Insurance in Ontario, Canada

Protecting Your Business Against Everyday Risks

No matter the size or industry, every business faces liability risks. A simple accident — like a slip-and-fall at your office or damage caused during your work — can lead to costly lawsuits. At Solutions Insurance Group, we provide tailored Commercial General Liability (CGL) insurance to keep your business protected.

🔎 What Is CGL Insurance?

CGL insurance protects your business if it’s held legally responsible for third-party injury or property damage. It helps cover legal costs, settlements, and medical expenses so a single accident doesn’t threaten your business.

CGL typically covers:

• ⚖️ Bodily Injury – Example: A customer slips in your store and is injured
• 🏚️ Property Damage – Example: You accidentally damage a client’s property while providing services
• 📣 Personal & Advertising Injury – Example: A competitor claims your marketing caused reputational harm
• 💼 Legal Defense Costs – Lawyer fees, court costs, and settlements

📝 Is CGL Insurance Mandatory in Ontario?

• By law: CGL insurance is not mandatory.
• By contracts: Many landlords, lenders, and clients require proof of CGL before signing leases or service agreements.
• Best practice: Without liability coverage, one lawsuit could put your business at financial risk.
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🌟 Standard CGL Policy Coverage

A typical Ontario CGL policy includes:

• Third-Party Bodily Injury – Medical expenses and legal costs
• Third-Party Property Damage – Repair or replacement costs for damaged property
• Legal Defense – Covers lawyer fees and settlement costs
• Tenants’ Legal Liability – Protects you if you rent a space and cause damage to it

🌟 Optional CGL Coverage Add-Ons

Depending on your business type, you may add:

• Products Liability – Protects against claims related to products you manufacture, sell, or distribute
• Completed Operations Coverage – Covers liability after a project is finished (e.g., contractor work)
• Cyber Liability – Protects against data breaches and online risks
• Umbrella Liability – Adds higher liability limits for extra protection
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🛡️ Why Get CGL Insurance Through a Broker?

Every business is different — retail shops, contractors, restaurants, and professional services all face unique liability risks. Our brokers help you:

• ✅ Assess the liability risks specific to your industry
• ✅ Find affordable rates from Ontario’s leading insurers
• ✅ Ensure your coverage meets contract and lease requirements
• ✅ Combine CGL with property, auto, or professional liability for complete business protection.