Commercial General Liability Insurance (CGL)
Is your business prepared for a $500,000 lawsuit tomorrow? Around 90% of companies get sued at least once. Without proper protection, these unexpected claims could shut their doors forever. Commercial general liability (CGL) insurance is your financial shield against these threats, covering legal expenses that could otherwise bankrupt your business.
At KASE Insurance, we’ve seen how the right CGL policy saves businesses while their unprotected competitors fold under lawsuit pressure. We’ll build your protection around your specific needs, creating a custom policy for your Ontario business that fits your operations to a tee.
What is Commercial General Liability Insurance?
Commercial general liability insurance (CGL) protects your business from financial losses if others sue you for property damage, bodily injuries, or advertising mistakes—the most common risks businesses face every day. It’s your first line of defence, as well as your safety net against the unexpected.
When a customer files a third-party bodily injury or property damage claim, the costs (legal fees, medical costs, and settlements) can add up fast. CGL coverage ensures these expenses don’t have to come straight from your pocket so your business can keep running smoothly.
At KASE Insurance, we’ve seen how quickly one claim can threaten everything you’ve built. That’s why we don’t offer one-size-fits-all policies. Instead, our brokers analyze your specific operation, identify your unique risks, and build CGL protection that defends your Ontario business against its actual threats.
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Why Do You Need Commercial General Liability Insurance?
Businesses face a wide range of risks when dealing with clients, working with suppliers or vendors, managing employees, and simply conducting everyday business.
Mitigate Financial Losses
Most commercial general liability insurance Ontario policies should guard you against the expense of attorney fees, litigation, out-of-court settlements, and most judgments awarded by the courts.
Compliance with Legal or Contractual Obligations
Many contracts and industries require businesses to have general liability insurance. Having the right general liability insurance coverage helps you meet these requirements and secure valuable opportunities.
Protect Your Reputation:
Lawsuits are one of the quickest ways to lose trust. Commercial general liability insurance helps manage these situations by providing financial support to resolve claims quickly and professionally.
Peace of Mind:
You don’t want to face lawsuits due to an accident or third-party damages—but if you do, having the right protection makes all the difference. KASE Insurance will give you extra peace of mind to focus on operating efficiently and generating a profit no matter what happens.
What Does Commercial General Liability Cover?
Unforeseen risks threaten the daily operations of every business. KASE Insurance helps protect your hard work and passion with a general liability coverage that works against:
- Property Damage: Third-party property damage caused by an employee can lead to costly repairs or replacements. CGL covers these expenses, so fixing the problem won’t require paying out of pocket.
- Personal Injury: Words sometimes land you in hot water. If someone claims your business defamed them (through slander or libel) or invaded their privacy, CGL steps in to cover legal costs and potential damages.
- Bodily Injury: Injuries can happen to anyone on your premises. We provide coverage for injuries to a customer visiting your office, an employee working on-site, or a supplier making deliveries
- Advertising Injury: Your marketing efforts are meant to grow your business, not land you in legal trouble. If a competitor claims your ad harmed their reputation or accidentally used copyrighted material, CGL has you covered.
Types of Insurance Coverage Businesses Should Have
Running a business comes with its fair share of risks—some you can plan for and others that catch you completely off guard. Secure your business operations with these comprehensive business insurance policies designed for your protection and peace of mind.
Commercial Property Insurance
Your building, equipment, and inventory are vulnerable to fire, theft, and certain disasters. Commercial property insurance provides financial coverage in such situations, giving you the resources to repair, replace, or rebuild without crippling your finances.
Professional Liability Insurance
Professional liability insurance, or errors and omissions, covers you when clients claim your professional advice or service caused them harm—whether it’s a missed deadline, an error in your work, or a misunderstanding.
Product Liability Insurance
No matter how confident you are about your product, there’s always a chance that something could go wrong. Our product liability insurance protects your business if a customer claims your product caused them injury, illness, or property damage.
Tenant’s Legal Liability
Tenant’s legal liability covers damage your business causes to a rented or leased space. If fire, water, or other accidental damage occurs while occupying the property, this insurance helps pay for repairs. It’s especially important for businesses leasing office, retail, or industrial space, ensuring landlords are protected too.
Business Interruption Insurance
When your business grinds to a halt due to disasters, this policy keeps you afloat. Our comprehensive business interruption insurance replaces lost income and covers ongoing expenses like rent and payroll when your operations stop.
Employers’ Liability Insurance
As a business owner, you’re responsible for your employees’ safety on the job. Employers’ liability insurance protects your business if an employee becomes injured or ill due to workplace conditions.
Financial Planning Insurance
Aside from CGL, financial planning insurance is one of the most crucial policies for businesses. This policy guards you against financial loss in the event of a sudden drop in stock value or a partner failing to fulfill obligations.
Who Needs General Liability Insurance?
In order to ensure that business operations run smoothly, general liability insurance should be obtained from day one. At KASE Insurance, our commercial general liability policies are tailored to meet the unique needs of every industry, including:
Why Choose KASE Insurance for CGL Insurance
Accidents don’t come with a warning—and neither do lawsuits. A CGL policy provides a foundation of protection for your business, covering you from the unexpected. But having the right policy isn’t enough; you need a partner who understands your unique risks and delivers tailored solutions.
KASE Insurance is an award-winning commercial insurance brokerage committed to client satisfaction. Every client is paired with a dedicated account manager who takes the time to understand your business, address your concerns, and craft a policy that fits like a glove.
From tailored coverage to expert advice, we’re here to ensure your business is protected—no matter what comes your way. Get started today! Contact us for a general liability insurance quote tailored to your needs.
Read what clients have to say about KASE
By far the most professional and trustworthy insurance brokerage I have known. We have been working with this firm for number of years now and I have nothing but good to say about their team and services. Stan and his team won't stop until we are fully satisfied. They are always on top of things, super fast in their assistance and very professional. I highly recommend this firm to anyone seeking for great insurance brokerage to work with. Big Thank You to Stan and Kase Insurance for many many years of great service!
Reviewer: Alex K
out of 5 stars
Stan and is team at KASE Insurance have been fantastic in explaining what insurance we needed for our business. Very hands on approach and detailed. I work highly recommend KASE Insurance for any business owner looking for great service.
Reviewer: Kyle Grooms
5 out of 5 stars
The KASE team is very easy to work with. They answer your questions quickly, walk you through the process patiently, and find you great rates. We've been working with them for a few years and we haven't felt the need to shop elsewhere because of their customer service.
Reviewer: Sasha Boersma
5 out of 5 stars