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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.
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
Call us
Give us a call at 1-855-724-2883. Answer a few questions from our licensed TD Insurance Advisors to receive a quote and get the protection your business deserves.
Let’s get you started with a quote
Speak to a licensed TD Insurance Advisor 1-855-724-2883
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 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 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.
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Insurance questions? Find the answers
Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.
Call us by phone
Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.
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Call 1-855-724-2883
LEGAL DISCLAIMER
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.
1TD Insurance refers collectively to the following insurance companies:
1. Security National Insurance Company;
2. Primmum Insurance Company;
3. TD General Insurance Company;
4. TD Home and Auto Insurance Company; and
5. 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.
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 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.
2TD 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.
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are "TD Small Business Banking Customers" as defined below.
For the purposes of this Offer only, a "TD Small Business Banking Customers" includes a natural person or business entity who:
• has a TD Small Business Bank deposit or savings account;
• has a TD Business Mortgage or a TD Business Line of Credit, secured or unsecured;
• has a TD Business loan or Canada Small Business Financing Act loan through TD;
• has a TD Business Credit Card or other business credit card issued by TD;
• has a TD Business Investing product or account;
• has TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance.
This Offer provides a 5% discount applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Individually rated commercial automobile insurance policies and endorsements are excluded from this Offer.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
To receive the Offer, the policyholder's name on the TD Insurance business insurance policy must match the name of the natural person or business entity in whose name the product or account in the bulleted list above has been obtained.
Offer may be changed, withdrawn, or extended at any time, without notice.