Comprehensive & Uniquely Tailored CGL Insurance with LMBF

CGL insurance, or commercial general liability insurance, is a basic type of insurance policy that is designed to cover businesses for claims o bodily injury, advertising injury/personal injury, and property damage resulting from business operations, a product they manufacture or sell, or for injuries incurred while on business property. CGL insurance is a must-have for businesses of all sizes and all industries. Commercial general liability comes in a multitude of different coverage amounts. LMBF can help you determine what coverage level is best for your business and the way it runs. Start today with a free CGL insurance quote.

What Commercial General Liability Insurance Covers

Bodily Injury

Bodily Injury

Should an injury occur to a third-party or customer, whether on your business’ property or as a result of your business’ operations or a product it distributes, your CGL insurance policy will cover any resulting lawsuit expenses and defense costs.

Property Damage

Property Damage

If your business operates have resulted in a third-party’s property damage, damage to a venue, or damaged to a rented location, your CGL insurance policy contains coverage for any resulting lawsuit expenses or settlement fees.

Advertising Injury

Advertising Injury

If your business is accused of personal injury or advertising injury (such as libel and slander) and the event is taken up in a court of law, your CGL insurance policy will help cover you for any lawsuit expenses.

  What CGL insurance covers
  • Slips and falls
  • Property damage
  • Libel and slander
  • Lawsuit expenses
  • Defense costs
  What CGL insurance excludes
  • Intentional harm
  • Criminal activities
  • Auto liability
  • Property damage
  • Interruption

What is CGL insurance?

Commercial general liability insurance, or CGL insurance, is popularly known as the “slip-and-fall” insurance policy that helps businesses cover legal expenses that may arise due to claims of bodily injury, advertising injury, and property damage. CGL is designed to protect businesses of all sizes, no matter what industry. For many businesses CGL insurance is not required but is a highly recommended purchase nonetheless thanks to the essential coverage that it provides.

Commercial General Liability Insurance for These Business Sectors:

Commercial general liability insurance is a must-have for every business, no matter what size or what industry. Your CGL insurance policy may look different depending on the type of business you run and your exact coverage needs, but the necessity remains the same. See below for several examples of the various business sectors and enterprises that may benefit from CGL insurance. Don’t see your business? Discuss with LMBF today about the importance of a comprehensive commercial general liability insurance policy.
Financial Industry


  • Commercial banks
  • Insurance brokerages
  • Financial advisors
  • Accountants & bookkeepers
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Real Estate Industry

Real Estate

  • Estate agents
  • Real estate developers
  • Property management
More info
Construction Industry


  • HVAC construction
  • Commercial construction
  • Residential construction
  • Demolition
  • Electrical installers
More info
Maintenance Industry

Personal Services

  • Garage repair shops
  • Autobody stores
  • Auto servicing
More info
Education Industry


  • Online courses
  • Driving schools
  • Primary education
  • Universities
More info
Manufacturing Industry


  • Metal manufacturers
  • Autobody part manufacturers
  • Chemical manufacturers
  • Food manufacturers
More info
Transportation Industry


  • Airlines
  • Freight road transportation
  • Courier companies
  • Railways
  • Trucking companies
More info
Organizations Industry


  • Chairities
  • Organizations
  • Fundraisers
More info
Agriculture Industry


  • Hobby farms
  • Commercial farms
  • Beef farms
  • CBD plantations
More info
Entertainment Industry


  • Bowling alleys
  • Amusement parks
  • Theatres
  • Arcades
  • Minigolf
More info
Healthcare Industry


  • Occupational therapists
  • Counselors
  • Massage therapists
  • Dentists
More info
Retail Industry

Retail Industry

  • Liquor retail
  • Grocery retailing
  • Furniture retailing
  • Garden supplies retailing
  • Auto parts retailers
More info
Hospitality Industry


  • Hotels and motels
  • Travel agents
  • Lodging agencies
More info
Publishing Industry


  • Printers
  • Publishers
More info
Personal Care Industry

Personal Care

  • Hair salons
  • Weight loss services
  • Nail spas
  • Dry cleaners
More info
Wholesale Distribution Industry

Wholesale distribution

  • Agricultural machinery wholesale
  • Audio and video equipment retailers
  • Bakery product wholesale merchants
More info
Professional Services Industry

Professional Services Industry

More info

Our Commercial General Liability Insurance Partners

Your business needs protection tailored to the way it operates in order to protect its bottom line. Despite our best efforts, a lawsuit could happen at any point in time - and even to the smallest “Mom and Pop” shops. CGL insurance is a vital purchase for all businesses, and it shouldn’t be a grueling process to get. This is why LMBF has partnered with some of the top commercial general liability insurance carriers in Canada to ensure that your business can receive free quotes and secure affordable coverage as soon as it needs it.

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Want to Get Started on Your Commercial General Liability Insurance? Start with a Commercial General Liability Insurance Quote.

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Commercial General Liability Insurance: Frequently Asked Questions

A: No. A typical CGL policy includes coverage for claims alleging property damage and bodily injury, or advertising injury such as libel and slander. Commercial general liability excludes damages arising out of the operations of a business’ automotive equipment, including your vehicles. For this, you would need a commercial auto insurance policy.

A: No, your CGL policy is designed to protect your business from lawsuit costs resulting from claims of bodily injury, advertising injury, and property damage. If any of your employees is accused of theft, you may be able to purchase a separate employee dishonesty policy. Furthermore, theft impacting your business is covered under a standard commercial property insurance policy.

A: Any business that wants a buffer against a potentially devastating lawsuit requires CGL or commercial general liability insurance. This is a critical form of coverage that is the bare minimum for insurance for many enterprises, large or small.

A: In order for lawsuits arising due to claims of negligence, your business will need professional liability insurance. Businesses that offer a professional service or advice will need a higher form of CGL insurance sometimes referred to as E&O insurance, or professional liability insurance, to cover their business against unique risks.

A: Your risk factor will be the number one determining factor in how much your CGL insurance policy will cost. Suffice to say, a CGL policy is a small price to pay next to the potential devastating impacts of a lawsuit. You can expect that your commercial general liability premiums will be based upon your business’ size and industry, how many employees it has, the service it provides or products it sells, years of experience, insurance history, etc.

A: In most locations and with most business sectors, it is not required to carry CGL insurance. However, CGL insurance is almost always recommended as the main form of business insurance for your enterprise - and if anything, the bare minimum. Commercial general liability insurance is a small cost next to what it could take your business to pay off and recover from an unexpected lawsuit.