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Commercial General Liability Insurance is a key tool for managing risk and protecting your business’s financial well-being.
It helps cover legal costs and financial losses that can arise from claims involving bodily injury, property damage, or other third-party incidents — offering not just protection, but peace of mind. At Collings Insurance Brokers, we take the time to understand the full scope of your operations, so we can tailor coverage to fit the way you do business.
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How Commercial General liability insurance can protect you.
Commercial General Liability helps protect businesses against lawsuits that may result from their business operations, products, or on-premises incidents.
Whether you’re a local business or a large corporation, you want to ensure your customers and staff are safe and you are protected. Whatever your industry, Collings Insurance Brokers will help find the coverage that’s right for you.
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Coverage for what’s important to you
Commercial General Liability Insurance protects your business from the financial impact of potential lawsuits in the event of:
Damage to a third party
Slips or falls
Accidents or injuries
Property damage
Bodily injury
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Covers legal liability if your business causes physical injury to someone or damage to their property due to negligence. Example: A customer slips and falls on your premises.
Protects your business if a product you manufacture, sell, or distribute causes injury or damage after it’s been sold. Example: A faulty appliance causes property damage at a customer’s home.
Covers liability for work you’ve finished if it later causes injury or damage. Example: A contractor’s installed wiring causes a fire after the job is done.
Covers damage you cause to premises you rent or occupy. Example: A fire in your leased office damages the landlord’s building.
Frequently Asked Questions
No, commercial general liability insurance is not legally required in Ontario. However, it’s often required by landlords, clients, or regulators in leases and contracts—making it effectively necessary for many businesses.
Commercial general liability protects businesses against third-party claims for bodily injury (e.g. slip-and-fall), property damage, completed operations (work done off-site), and, industry depending, personal/advertising injury (e.g. libel or defamation).
Technically yes, but it’s strongly discouraged. Without commercial general liability, a single liability claim could result in crippling legal fees or settlements. Many contracts or leases also require proof of commercial general liability coverage before you can operate.