A Business Owner’s Guide to Commercial General Liability Insurance
Whether you're running a local retail shop in downtown Owen Sound or managing a growing construction company in Grey-Bruce, one thing is certain: accidents can happen when you least expect them. Commercial General Liability (CGL) insurance is a vital piece of your business protection plan—helping you stay focused on growth while safeguarding your operations from unexpected legal and financial claims.
At TG Group, we specialize in commercial insurance, and we’re here to help you understand why CGL insurance matters and what it covers.
What Is Commercial General Liability (CGL) Insurance?
Commercial General Liability insurance is designed to protect your business from claims of bodily injury, property damage, or personal injury that arise from your day-to-day operations. If a third party—like a customer, client, or delivery person—suffers an injury or property loss because of your business activities, you could be held legally responsible. That’s where CGL coverage steps in.
What Does CGL Insurance Typically Cover?
Here’s a breakdown of what CGL insurance usually includes:
Bodily Injury: If someone slips and falls at your business or is injured because of your work, CGL can cover medical expenses and legal costs if you're sued.
Property Damage: If your business activities cause damage to someone else’s property, this coverage helps cover the costs of repair or replacement.
Personal & Advertising Injury: This includes protection against claims of libel, slander, copyright infringement, or false advertising.
Tenant Legal Liability: If you lease your business space and accidentally damage the property (e.g., a fire caused by your operations), this component helps cover your liability to the landlord.
Who Needs CGL Insurance?
Almost every business in Ontario can benefit from CGL insurance, especially those that:
Interact with the public or clients
Operate on client sites or third-party property
Rent or lease commercial space
Advertise or market their services
Host events or participate in trade shows
Whether you run a professional services firm, own a restaurant, or operate a contracting business, CGL coverage should be a foundational part of your insurance plan.
How Much Coverage Do You Need?
The amount of liability coverage your business needs depends on your industry, size, operations, and potential risk exposures. Many Ontario businesses start with $1 million to $5 million in liability coverage, but higher limits may be necessary depending on contractual requirements or the nature of your work.
At TG Group, we’ll work closely with you to assess your unique risks and recommend the appropriate coverage.
Why Choose TG Group?
As a locally rooted brokerage in Owen Sound, TG Group understands the challenges Ontario businesses face. We bring decades of experience in commercial insurance and a commitment to helping business owners make informed, confident decisions.
When you work with us, you get:
Tailored advice for your industry and operations
Access to top-rated Canadian insurers
Dedicated claims support and risk management insight
Local service with real people who care about your success
Protect Your Business Today
No one expects accidents to happen—but smart business owners plan for them. Commercial General Liability insurance gives you peace of mind so you can keep doing what you do best.
Contact our commercial insurance experts at TG Group today. We’ll help you build a policy that fits your business, your budget, and your future.
Reach us at 519-370-2006 or info@tg-group.ca to review your coverage or get a free, no-obligation quote. You can also visit our Commercial Insurance page for more details.
