Protect your business with General Liability Insurance: safeguard against lawsuits, meet client requirements and enjoy peace of mind. Gallagher Small Business can help.
If you own a business in Canada, you've likely heard of General Liability Insurance, but what is it, exactly? Do you really need it? And how do you go about getting coverage that protects you without breaking the bank?
The insurance professionals at Gallagher Small Business have helped countless business owners navigate these waters, and today, we're here to break it down in plain English — no jargon, no fluff.
What is General Liability insurance?
Commercial General Liability insurance (often abbreviated as CGL) is one of the most foundational types of business insurance you can buy. At its core, Commercial General Liability insurance is designed to protect your business if you're facing a lawsuit for:
- Bodily injury — Someone trips on a wet floor in your store or office.
- Property damage — You accidentally damage a client's property while working on-site.
- Personal and advertising injury — Someone files a claim for libel, slander or copyright infringement.
Think of Commercial General Liability insurance as a financial safety net that covers legal costs, settlements and judgments that could otherwise devastate your business.
Why should you buy Commercial General Liability insurance?
If you're asking if you really need General Liability Insurance, consider this:
- Lawsuits happen. Even if your business operates cautiously, accidents and misunderstandings can happen. One lawsuit — valid or not — could cost tens or hundreds of thousands of dollars in legal fees alone.
- Client and contract requirements. Many clients, landlords and business partners require proof of Commercial General Liability insurance before signing a lease or awarding you a contract. Without it, you could miss out on valuable opportunities.
- Peace of mind. Running a business is stressful enough without worrying about unexpected lawsuits. Commercial General Liability insurance ensures you can focus on growth instead of what-ifs.
- Affordable protection. For most businesses, liability coverage is relatively inexpensive, especially when you consider the potential financial fallout of going without it.
Whether you're in British Columbia, Alberta, Ontario or Newfoundland, this insurance should be part of your business risk management checklist. In short: If your business interacts with the public, leases a space or works with other businesses, general liability insurance isn't optional — it's essential.
How to get a quote from Gallagher Small Business
Here's the good news: Getting a quote for General Liability Insurance is simpler than you might think, especially with Gallagher Small Business. We've streamlined the process to get you covered quickly and easily.
- Start with a quick consultation. A licensed advisor will walk you through the basics, ask about your business and help identify your specific risks.
- Tailored coverage options. No two businesses are alike, and neither are their insurance needs. Gallagher Small Business offers customizable policies that align with your budget and risk profile.
- Competitive pricing. As a global brokerage with deep Canadian roots, we leverage our market relationships to secure you the best coverage at a competitive price.
- Ongoing support. Insurance doesn't end after you sign on the dotted line. With Gallagher Small Business, you get access to risk management advice, claims support and renewal reviews to ensure your policy keeps pace with your business.
Still not sure if you need General Liability Insurance?
That's what we're here for. At Gallagher Small Business, we pride ourselves on making insurance approachable, whether you're a startup, a small business, or a growing enterprise. If you have questions — or just want to understand what a policy might look like for your business — don't hesitate to reach out.
Protecting your business starts with a conversation. Let's make it happen.
Ready to get started? Contact Gallagher Small Business today for a no-obligation quote and take the first step toward securing your business's future.
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