Find the best commercial liability insurance rates for your business

KBD is a commercial general liability insurance broker in Canada.

We offer business liability insurance to start-ups, consultants and companies located in Quebec & Ontario.

Comparing rates from Canada’s leading business liability insurance companies
Commercial general liability
insurance we provide
Property damage liability

Coverage if your product or an employee causes damage to someone else’s property.

Bodily injury

Protection if your product or service causes damage to another person.

Product liability

Insurance that protects your business in the event the product or service causes third-party damage.

Speak with the same expert every time you call

Your own dedicated representative.

If you are looking for peace of mind and to save time – you need someone who knows how to handle your affairs. KBD provides each customer with the same dedicated commercial insurance expert to handle all your insurance needs.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get your CGL insurance quote today

Commercial liability insurance FAQs

What is commercial general liability insurance?

Also referred to as CGL Insurance, this protects your business in the event that it causes third-party property damage or bodily injury. In other words, it covers you if your company is held responsible for causing harm to another person or entity. This coverage protects your business if it causes tangible damage.

How much is commercial general liability insurance in Canada?

This is a difficult question to answer! Policies range from $500 per year to hundreds of thousands of dollars and in some cases can cost millions per year. Here are some factors that are taken into consideration to determine your CGL Insurance cost:

  • Your industry
  • Your annual revenue
  • Your claims history
  • You experience in the field

Why does my business need commercial general liability insurance?

There are two main reasons your company needs a CGL policy:

  1. Your landlord may require it for your business to take possession of a unit.
  2. To protect your business in the event it’s deemed liable for causing damage to a third party.

Bonus: A CGL policy provides a lawyer to defend you on the dime of the insurance company.

How long does it take to get a commercial general liability insurance quote in Canada?

It depends on the complexity of your business. If you’re a manufacturer, the process may take a little bit longer because it’s important for the insurance broker to understand your risk exposure. If you’re looking for a basic CGL policy in order to move into a new building, it can take as little as 5 minutes.

What's included in a commercial general liability policy?

Here’s the breakdown of your average business liability insurance policy:

  • Products-completed operations – protection if a product you sell or service you provide causes third-party harm.
  • Personal & advertising injury – Protection if you are accused of libelling or slandering another person or entity.
  • Tenant’s legal liability – Coverage if you’re a tenant in a building and you cause damage to your particular unit that is owned by the landlord.

How is commercial general liability insurance calculated?

Depending on the industry you work in, insurance companies will take a rate per $1,000 and then multiply it by the business’ annual revenue. If you’re a company that is just starting out and you’re unsure of projected annual sales, an estimation will do just fine.

What is property & casualty insurance?

Property insurance is coverage for your physical assets. Casualty insurance is just another term for liability insurance.

Is commercial general liability insurance the same as CGL insurance?

Yes, it’s the same thing. “CGL” is the acronym.

What does commercial general liability insurance cover?

It covers your business in the event it’s deemed liable for causing harm or damage to a third party.

Which companies sell commercial general liability insurance?

All insurance companies provide this type of liability coverage to businesses in Canada. In fact, liability is included on all insurance policies, even for home and car.

How can I lower my commercial general liability insurance cost?

Shop around every 3-4 years to find the best commercial general liability insurance company. A broker like KBD can help you with this process as we have access to multiple insurance markets that provide CGL coverage.

Make sure to educate your employees on risk management.

Attempt to pay for small claims out of pocket.

Which commercial general liability insurance companies does KBD work with?

  • Intact
  • Lloyd’s
  • Economical
  • L’Unique
  • CFC Underwriting
  • And more

How do I find the best commercial general liability insurance in Canada?

Speak to a broker like KBD! You can also get quotes with companies like Desjardins, La Capitale and others. However, these companies do not have insurance products built for more complex liability risks. If you’re a company with millions in annual revenue, you’ll need to work with a business insurance broker.

What is commercial general liability insurance?

Also referred to as CGL Insurance, this protects your business in the event that it causes third-party property damage or bodily injury. In other words, it covers you if your company is held responsible for causing harm to another person or entity. This coverage protects your business if it causes tangible damage.

Is commercial general liability insurance the same as CGL insurance?

Yes, it’s the same thing. “CGL” is the acronym.

How much is commercial general liability insurance in Canada?

This is a difficult question to answer! Policies range from $500 per year to hundreds of thousands of dollars and in some cases can cost millions per year. Here are some factors that are taken into consideration to determine your CGL Insurance cost:

  • Your industry
  • Your annual revenue
  • Your claims history
  • You experience in the field

What does commercial general liability insurance cover?

It covers your business in the event it’s deemed liable for causing harm or damage to a third party.

Why does my business need commercial general liability insurance?

There are two main reasons your company needs a CGL policy:

  1. Your landlord may require it for your business to take possession of a unit.
  2. To protect your business in the event it’s deemed liable for causing damage to a third party.

Bonus: A CGL policy provides a lawyer to defend you on the dime of the insurance company.

Which companies sell commercial general liability insurance?

All insurance companies provide this type of liability coverage to businesses in Canada. In fact, liability is included on all insurance policies, even for home and car.

How long does it take to get a commercial general liability insurance quote in Canada?

It depends on the complexity of your business. If you’re a manufacturer, the process may take a little bit longer because it’s important for the insurance broker to understand your risk exposure. If you’re looking for a basic CGL policy in order to move into a new building, it can take as little as 5 minutes.

How can I lower my commercial general liability insurance cost?

Shop around every 3-4 years to find the best commercial general liability insurance company. A broker like KBD can help you with this process as we have access to multiple insurance markets that provide CGL coverage.

Make sure to educate your employees on risk management.

Attempt to pay for small claims out of pocket.

What's included in a commercial general liability policy?

Here’s the breakdown of your average business liability insurance policy:

  • Products-completed operations – protection if a product you sell or service you provide causes third-party harm.
  • Personal & advertising injury – Protection if you are accused of libelling or slandering another person or entity.
  • Tenant’s legal liability – Coverage if you’re a tenant in a building and you cause damage to your particular unit that is owned by the landlord.

Which commercial general liability insurance companies does KBD work with?

  • Intact
  • Lloyd’s
  • Economical
  • L’Unique
  • CFC Underwriting
  • And more

How is commercial general liability insurance calculated?

Depending on the industry you work in, insurance companies will take a rate per $1,000 and then multiply it by the business’ annual revenue. If you’re a company that is just starting out and you’re unsure of projected annual sales, an estimation will do just fine.

How do I find the best commercial general liability insurance in Canada?

Speak to a broker like KBD! You can also get quotes with companies like Desjardins, La Capitale and others. However, these companies do not have insurance products built for more complex liability risks. If you’re a company with millions in annual revenue, you’ll need to work with a business insurance broker.

What is property & casualty insurance?

Property insurance is coverage for your physical assets. Casualty insurance is just another term for liability insurance.