🛡️ Commercial General Liability (CGL): What It Covers—and What It Doesn’t 🇨🇦
For businesses across Canada, Commercial General Liability (CGL) insurance is one of the most important layers of protection. It safeguards your company from many common risks—but it doesn’t cover everything. Knowing these boundaries helps you make smarter decisions about your overall insurance strategy.
✅ What CGL Covers
- Third-Party Bodily Injury 🤕: If a customer slips and falls on your premises, CGL can cover medical expenses and legal costs.
- Property Damage 🏢: If your operations accidentally damage someone else’s property, CGL responds.
- Legal Defence Costs ⚖️: Even if a lawsuit is unfounded, CGL covers your legal fees.
- Advertising Liability 📢: Protection against claims of libel, slander, or copyright infringement in your advertising.
❌ What CGL Doesn’t Cover
- Employee Injuries 👷: These fall under workers’ compensation coverage.
- Professional Errors ✍️: Mistakes in your professional services require Errors & Omissions (E&O) insurance.
- Your Own Property Loss 🔑: For that, you’ll need commercial property insurance.
- Intentional Acts 🚫: Fraud or deliberate harm is never covered.
⚖️ The Takeaway
CGL provides essential protection against many common risks, but it works best as part of a broader insurance program. Pairing it with property, E&O, or cyber coverage can give your business a more complete shield against financial loss.
👉 Is your business properly covered? A quick policy review today could save you major headaches tomorrow.
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