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.
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
- 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.
- 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.
- 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.
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?
Call 1-855-724-2883
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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.
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Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.
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