The foundation
behind your business.
Make sense of general liability, professional services, and the risks that deserve their own insurance conversation.
Clear guides. Useful questions. Your next step.
Your world, considered.businessliabilityinsurance.ca
A Broker.insure PortalProtection starts
with better questions.
These are areas to explore with a licensed provider. The exact cover, exclusions, limits, and availability depend on your circumstances.
General liability
Discuss third-party bodily injury and property damage arising from business activities.
Professional & product risks
Ask whether advice, services, or products need additional or separate protection.
Contracts & exclusions
Review customer requirements, territorial limits, deductibles, and excluded activities.
A certificate is only the starting point.
A small business accepts a contract that asks for a certificate. The required limits do not explain whether all contracted activities are insured.
Let’s unpack itA discussion example, not a claim outcome or a promise of cover.
A little preparation.
A clearer conversation.
A closer look.
General liability and professional liability
A visitor injury and a client’s allegation about your work need different questions.
Field notes · 3 min readReading a client’s insurance clause
Contract compliance needs a document review, not just a certificate with a large number.
Interactive worksheetTwo offers. A clearer comparison.
Record the terms, identify unanswered questions and keep your own comparison notes.
Good questions.
Worth asking.
Does CGL cover every client complaint?
No assumption should be made. Describe the allegation and service and ask about professional services, financial loss, products and other relevant exclusions.
Does an additional insured replace my own protection?
It changes who may receive protection within specified wording. Ask what the endorsement does, whose interests it addresses and its limits.
Can a certificate prove every contract obligation is insured?
No. Compare the complete contract with the actual policy and endorsements and ask for written confirmation of any exceptions.
A few useful neighbours.
Let’s start with your world.
Tell us a little about what you’re looking for. Your location helps the team understand the enquiry.