Commercial General Liability Insurance

Commercial General Liability (CGL)
Commercial General Liability (CGL) insurance is a type of insurance designed to safeguard owners and operators of companies from a wide kind of liability exposures. These exposures might include liability arising out of accidents resulting from the premises or the operations of the insured, products sold by the insured, operations completed by the insured and written agreement liability.

Commercial General Liability (CGL) policy pays payment of compensatory damages only but not punitive damages and fines or penalties are not covered under this policy. Intentional damage and contractual liabilities are typically not covered in these types of policies. Injuries or damage were caused by your commercial vehicle, Damages are to property that you own, rent or otherwise occupy not covered under this policy.

Commercial General Liability (CGL) policy, included in commercial policy packages, cover four types of claims:Bodily injury resulting in actual physical damage or loss, Property damage or loss, Personal Advertising injury including slander or libel, Medical expenses.

Commercial Property Insurance
If your business owns building or your business have personal property, including office furniture, computer equipment’s etc., inventory or stocks or tools etc., you must consider to buy property policy that will protect you if you have a fire, theft, vandalism, smoke damage etc. You should also consider business interruption or loss of income if you are not able to run your business due to insured loss.

Business Interruption Insurance
This policy provides temporary protection to business owners against indirect losses from a temporary shutdown resulting from property damage because of fire or other insured peril and provides payments for loss of net profits and other necessary expenses.

To discuss your Business General liability Insurance and Commercial Property Insurance requirements contact Kirpal Multani at 416-728-6806, Toll Free 1-888-400-4814 or email info@errorsandomissionsinsurance.ca.

Kirpal Multani, C.A.I.B (Hons.)
Registered Insurance Broker Ontario

Commercial General Liability Insurance (CGL)

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