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.

TD Insurance Savings Commitment

With TD Insurance for Business, only pay for the coverage you need. And now, you could get up to 15% in discounts on your Commercial Property & Liability policy – speak to a licensed TD Insurance Advisor today1.

  • Bundle and save

    Save 5% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 5% for being an existing TD customer.1

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. 

  • Errors & Omissions

    Financial coverage for lawsuits, in the event you make an error in your work.

  • Umbrella 

    If you want to add on an additional layer of liability coverage to your underlying policy.

  • Employee Benefits Errors & Omissions

    Safety net for lawsuits arising due to mistakes in managing your Employee Benefits Plan.  

  • Additional Coverage Options

    Options such as Tenants Legal Liability and Non-Owned Automobile Liability.

3 easy steps to get customized small business insurance

  • 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.

  • 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.  

  • 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 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.

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

Browse Additional Small Business Insurance Products

  • Commercial Property Insurance

    Protect your property as well as your contents and equipment

  • Commercial Auto Insurance

    Protect your business vehicles from covered events

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

  • 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.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

Have a question? Find answers here