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What is Commercial General Liability Insurance?
Regardless of the industry you operate in, or the location you are operating from, as a small business owner you will be dealing with customers and clients on a regular basis. If a customer trips and falls on your premises, or a client is injured due to one of your products, you may be found liable. Let us help you select the right coverage so that you can continue to focus on setting up your business for success.
Save up to 15% on your business insurance1
You may be eligible for discounts on your Commercial Property & Liability coverage. Call us at 1-855-724-2883 to see how much you can save.
Who needs Commercial General Liability Insurance?
Don't see your industry or business type listed? Please call us at 1-855-724-2883 to find out more.
Coverage Options for your Small Business
TD Insurance offers small business owners the basics of commercial general liability insurance, plus additional coverage options customized to your business needs.
3 easy steps to get customized small business insurance
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1
See if your industry is covered
Check our list to see if we offer coverage for your industry. Select the industry that best describes your business.
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2
Review coverage options for your business
We offer a variety of flexible coverage options. We can help you customize a plan that best suits your small business.
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3
Get a quote online or give us a call
Get a quote online or speak directly to one of our Licensed TD Insurance Advisors at 1-855-724-2883. Customized and convenient; get the protection your business deserves.
Let’s get you started with a quote
Claim Scenarios for Commercial General Liability Insurance
Potential Claim:
On your first job of the day, you installed a hot water heater at a client's home. The hot water heater's temperature controls malfunction and the homeowner is burned by the scalding hot water requiring medical attention for their burns. The homeowner is claiming you are responsible for the malfunction.
Potential Outcome:
If your business is named in a lawsuit, your commercial general liability (CGL) policy may provide coverage for legal fees regardless of fault, and any resulting medical expenses should you be found liable.
Potential Claim:
One of your employees is out on a delivery and is involved in a car accident where they are at-fault. The accident caused serious and permanent injury to a third party. The costs of the third-party bodily injury and property damages exceeds your existing primary commercial auto policy's coverage limit.
Potential Outcome:
Umbrella coverage extends protection by providing additional coverage to your existing commercial general liability (CGL) insurance or commercial auto third party liability insurance. In this scenario, the coverage limit for your commercial auto policy is exhausted. If you have umbrella coverage added to your policy, it will be triggered to respond to the additional amounts of the claim.
Browse Additional Small Business Insurance Products
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.
TD Insurance refers collectively to the following insurance companies:
• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
1 Savings of up to 15% on your TD Insurance for Business Commercial Property and General Liability Insurance Policy can be obtained through a combination of the following three discounts:
Multi-Product Discount
You could save up to 5% on your Commercial Property and General Liability, and Individually Rated Commercial Auto (“IRCA”) insurance policies when you insure a Commercial Property and General Liability policy and an IRCA policy with TD Insurance.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
Alumni and Professional Group Discount
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount of 5% applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
TD Customer Loyalty Discount
Eligibility
For the purposes of this Offer only, an "Eligible TD Customer" means a natural person who is a director, board member, signing officer, business owner, sole proprietor, or majority partner of a business entity and who:
• has a TD deposit account;
• has a TD Mortgage, a TD Home Equity FlexLine, or a TD loan or line of credit, secured or unsecured;
• has a TD credit card or other credit card issued by TD;
• has a TD investment product or account;
• has a TD automobile financing product;
• has a TD Insurance residential insurance or personal passenger automobile insurance policy;
• has a TD Insurance life insurance or accident and sickness insurance policy; or.
• has a TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance policy.
This Offer is for
A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024;
B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024, and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024; and
C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024.
Application
(A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024:
• This Offer provides a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
(B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024 and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024:
• This Offer provides a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
(C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024:
• The TD Small Business Banking Discount will be subsumed by the present Offer. This Offer will provide a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
(D) Eligible TD Customers who are existing TD Insurance business insurance customers and not currently benefitting from the TD Small Business Banking Discount before April 21, 2024:
• As of April 21, 2024, these customers may contact a TD Insurance advisor to avail themselves of the present Offer. This Offer will provide a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
This Offer is not applicable to TD Insurance's individually rated commercial automobile insurance policies and their endorsements.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.