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Oracle RMS Insurance

Commercial General Liability Insurance

Commercial Insurance — Oracle RMS Insurance

Commercial General Liability Insurance

Protect your business from third-party injury, property damage, and advertising claims across Canada.

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Commercial general liability (CGL) insurance is the foundation of any business insurance program. It covers claims made against your business by third parties — customers, visitors, or members of the public — for bodily injury, property damage, or personal and advertising injury arising from your operations, products, or premises. Without CGL coverage, a single lawsuit could threaten the financial stability of your business.

Who needs this coverage?

Every business that interacts with customers, operates from a physical location, or provides products or services to the public needs CGL insurance. This includes contractors, retailers, restaurants, professional services firms, manufacturers, and home-based businesses.

Key coverages

  • Third-party bodily injury claims
  • Third-party property damage
  • Personal and advertising injury
  • Products and completed operations liability
  • Tenant legal liability
  • Legal defence costs
  • Medical payments to injured parties
  • Contractual liability (where insurable)

Frequently Asked Questions

What does commercial general liability insurance cover?
CGL insurance covers third-party claims for bodily injury, property damage, and personal and advertising injury arising from your business operations, products, or premises. It typically includes legal defence costs and settlements up to your policy limit.
Is CGL insurance required by law in Ontario?
CGL insurance is not mandated by provincial law for most businesses, but it is frequently required by landlords, general contractors, municipalities, and clients as a condition of doing business or signing a contract.
What is the difference between CGL and professional liability?
CGL covers physical injury and property damage claims from your operations. Professional liability (errors & omissions) covers financial losses a client suffers due to your professional advice, services, or failure to perform. Many businesses need both.
How much CGL coverage does my business need?
Coverage limits depend on your industry, contract requirements, and risk exposure. Common limits range from $1 million to $5 million per occurrence. A broker at Oracle RMS can assess your specific needs and recommend appropriate limits.
Does CGL cover employee injuries?
No. Employee injuries are covered under workers' compensation (WSIB in Ontario). CGL covers claims made by third parties — not your own employees.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.