🧸 Commercial General Liability (CGL) Insurance: A Must-Have for Canadian Childcare Providers.

Running a childcare centre means nurturing children, earning the trust of families, and creating a safe, welcoming environment. But even with the highest safety standards, accidents can happen—and that’s where Commercial General Liability (CGL) insurance becomes essential.

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💡 What Is CGL Insurance?
CGL insurance protects your childcare business from financial loss related to third-party claims, including:
• Bodily injury (e.g., slips, falls, or playground accidents).
• Property damage (e.g., damage to a parent’s personal belongings).
• Personal injury (e.g., claims involving slander or libel).

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👶 Why It Matters for Childcare Providers in Canada
Whether you operate a licensed daycare, a home-based childcare program, or an early learning centre, CGL insurance isn’t just a safeguard—it’s often a regulatory requirement. Many provinces set minimum insurance standards, and landlords typically require proof of liability coverage before leasing commercial space.

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✅ Key Benefits
• Provides peace of mind for you and the families you serve.
• Covers legal defence costs and potential settlements.
• Reinforces professionalism and builds trust with parents.

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As a childcare provider, your focus should be on care and education—not legal risk. Ensuring your business is properly protected allows you to do what you do best: support children’s growth in a safe, confident space.

🔐 Questions about finding the right policy for your centre? Let’s connect—I’d be happy to help guide you.

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