Protect your business against lawsuits, injury claims, and property damage. Accidents happen—and when they do, they can lead to costly legal claims. Commercial general liability (CGL) insurance helps Ontario businesses cover third-party injury, property damage, and legal expenses. At Regal Insurance, we compare policies from Canada’s leading insurers to find coverage tailored to your operation, so you can focus on running your business with confidence.
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Regal Insurance is your trusted Ontario broker for commercial liability coverage. As an independent brokerage, we work for you—not the insurance companies. Our brokers compare rates across Canada’s top providers to ensure your business is protected against unexpected claims and lawsuits.
With Regal, you can:
– Compare competitive liability insurance quotes from leading insurers
– Customize coverage for your business size, industry, and risk profile
– Protect against slip-and-fall injuries, property damage, and legal costs
– Access fast, no-pressure quotes online, by phone, or in person
Reach out today for your free commercial general liability insurance quote.
From protecting your physical space to securing your operations, Regal Insurance offers tailored business insurance solutions across industries. Explore our most popular commercial insurance products below to build a coverage plan that fits your unique business.
Whether you operate a single service van or a full delivery fleet, we offer coverage that keeps your vehicles and drivers protected.
Covers lost income if your business is forced to temporarily close due to insured events like fire or equipment breakdown.
Whether you own a storefront, office, or warehouse, we offer coverage that keeps your building, contents, and operations protected.
Tailored protection for trades like construction, plumbing, electrical, roofing, and more—including tools, liability, and job site coverage.
Protects your business from data breaches, cyberattacks, and privacy claims with dedicated digital risk coverage.
Helps cover the repair or replacement of critical machinery after mechanical or electrical failure.
Covers legal costs and damages if your product or service causes harm, loss, or injury.
Specialized coverage for commercial landlords, property managers, and vacant landowners across Ontario.
Insurance packages designed for storefronts, restaurants, spas, and hotels—covering everything from inventory to liability.
Commercial insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from top Canadian providers to find the right protection for your business property, assets, and operations.
As an independent brokerage, we work for you, not the insurance companies. Our licensed Ontario brokers understand local regulations, industry risks, and what matters most to business owners like you.
From small startups to multi-location operations, we proudly support businesses across Ontario—including Kitchener, London, Mount Brydges, Cambridge, and Oakville.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
Fill out this short form and get your free, no-obligation commercial general liability insurance quote today!
Commercial general liability (CGL) insurance is the backbone of business protection. It shields your company if you’re found legally responsible for third-party injuries, property damage, or personal injury claims. From a customer slipping on your floor to damage caused by your work at a client’s site, CGL provides financial protection against lawsuits, settlements, and defense costs—so one accident doesn’t put your entire business at risk.
Covers medical expenses, legal fees, and settlement costs if someone is injured on your premises or as a result of your operations—for example, a client tripping over equipment in your office or a contractor’s worksite hazard injuring a passerby.
Pays for the repair or replacement of a third party’s property if your business activities cause damage, such as a contractor accidentally breaking a client’s window or a technician spilling water on a customer’s computer.
Provides coverage for lawyer fees, court expenses, and judgments associated with covered claims. Even if a lawsuit is groundless, your defense costs can be significant—CGL ensures you’re not paying them out of pocket.
Covers damage caused to a rented commercial space, such as fire, smoke, or water damage. This protection is especially important for businesses leasing offices, storefronts, or warehouses.
Protects against lawsuits related to products you manufacture, sell, or distribute. If a defective product causes injury or damage, this coverage helps cover legal and settlement costs.
Extends protection after work is finished. For example, if a contractor’s completed project later causes damage or injury, this coverage responds to claims even after the job is done.
Protects your business if employees use their personal vehicles for company purposes—like deliveries, errands, or client visits—and cause an accident.
Adds an extra layer of protection by increasing your liability limits beyond the standard policy. This is critical for businesses with higher risk exposure or contractual requirements.
We partner with Canada’s top insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Protecting your business doesn’t have to mean overspending. Regal Insurance helps Ontario businesses secure the right liability coverage at the best possible price through proven strategies:
Save money by combining general liability with other essential business coverages like commercial property, auto, or cyber liability. Bundling not only simplifies your insurance management but also unlocks significant multi-policy discounts.
The safer your business, the lower your premiums. Implementing workplace safety protocols, staff training, signage, fire prevention systems, and regular maintenance reduces the likelihood of claims—and insurers reward businesses that proactively manage risk.
More coverage isn’t always better if it doesn’t match your actual risk. Our brokers help you align your liability limits with industry standards, client contracts, and your business’s exposure—ensuring you’re properly protected without overpaying.
Insurance companies look closely at your track record. Preventing avoidable accidents, documenting safety practices, and handling small issues before they become claims all contribute to lower long-term premiums. A clean history makes your business a preferred risk for insurers.
Your operations, assets, and risk profile change over time. Reviewing your policy annually ensures you’re not overpaying for outdated or excessive coverage.
Want more insights on how to reduce insurance costs for your business? Visit our Help Centre to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.
Commercial general liability (CGL) insurance protects your business from third-party claims that can lead to costly lawsuits. This includes coverage for:
It’s important to note that CGL doesn’t cover professional errors, employee injuries, or intentional acts — those require different types of policies.
No. CGL insurance is not legally mandated in Ontario. However, many landlords, lenders, contractors, and clients require proof of liability coverage before working with your business. Even when not contractually required, carrying this insurance is considered essential because a single liability claim could cost thousands — or even millions — of dollars.
Any business that interacts with customers, clients, suppliers, or the public should carry CGL insurance. This includes:
Whether your operation is small or large, if others visit your premises — or you visit theirs — CGL coverage is crucial.”
Premiums depend on the size of your business, industry risk level, annual revenue, and claims history. Small businesses may pay just a few hundred dollars per year for basic coverage, while larger companies or those in high-risk trades can expect to pay several thousand.
Several factors determine how much you’ll pay for CGL insurance:
Yes. Ontario businesses can lower their premiums by taking proactive steps:
Working with an experienced broker ensures you’re not overpaying for outdated or unnecessary coverage.
CGL protects against claims of physical injury, property damage, or advertising-related injury caused by your operations. Professional liability (also called errors & omissions insurance) protects against financial losses due to mistakes, negligence, or bad advice.
For example, if a customer slips and falls in your store, CGL responds. If a consultant provides incorrect advice that leads to client losses, professional liability applies. Many businesses carry both for full protection.
Yes — if you include product liability coverage in your policy. This protects your business if a product you manufacture, distribute, or install causes injury or damage. Without this endorsement, you may not be covered for claims related to faulty or defective goods.
No. Employee injuries are generally covered under Ontario’s Workplace Safety and Insurance Board (WSIB) program. If you want additional protection for employee-related risks, you may need separate employer liability or workers’ compensation coverage.
Most Ontario businesses carry between $2–5 million in liability coverage. The right limit depends on your industry, client contracts, and exposure to public risk. For example, contractors working with municipalities may be required to carry higher limits than small retailers. A broker can help assess the appropriate level for your business.
Yes. Many insurers offer packaged solutions that combine CGL with:
Bundling simplifies management and usually reduces overall costs.
Absolutely. Regal Insurance offers personalized service through our brokers, available via phone, email, or in-person consultations
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