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What is Commercial Liability Insurance?

Commercial Liability Insurance was created to protect Business Owners from the various legal risks their businesses are exposed to as a result of their ongoing operations.

I have been told I need a C.G.L. What is a C.G.L?

C.G.L is an acronym for Commercial General Liability insurance.

What does Commercial General Liability Policy cover?

Commercial General Liability covers a business for various types of damages that it may be found liable for. The C.G.L is typically comprised of 4 key coverages.  

  • Coverage A – Bodily Injury and Property Damage (typically covering your Premise, Products or Completed Operations)
  • Coverage B – Personal Injury and Advertising Injury Liability
  • Coverage C – Medical Payments
  • Coverage D – Tenants Legal Liability

How much does Commercial Liability Insurance Cost?

Like your home, travel and auto insurance, premiums vary based on a number of factors. The following are some of the factors that will determine your premium:

  • What are your companies products and operations?
  • Are they low risk operations like an office where there are no off-site products or operations?
  • are they High Hazard Operations where your company conducts business on the premises of others?

Why should I use AC&D for my Commercial Liability Insurance?

With over 50 years’ experience assisting business owners with their insurance needs, AC&D has developed long-standing relationships with our Insurers and have experience working with every type of business. Our focus on long-standing relationships has played a key role in expanding our staff from 5 to 50 while at the same time remaining loyal to our community values. This combination gives us the same markets as a multi-national brokerage while maintaining the higher level of personal service expected from a smaller, regional broker. Contact Us for a no obligation review of your insurance needs.

Business Insurance is an essential component of every business' disaster and risk mitigation planning.

Finding the right insurance policy requires the assistance of a broker with knowledge and experience in your industry. At AC&D Insurance we partner each business with a professional broker that has experience insuring businesses in their specific industry.

The limits and types of insurance required for each type of business is different and we will work with you to find the right solution.


Complete as much of this form as you like. If you would prefer to have an application sent by email or speak with a qualified broker over the phone, please complete the type of business & contact information sections only and click submit at the bottom of the form.

Do you currently have business insurance:

Has insurance ever been denied or canceled:
Does the Applicant have any U.S. or other foreign sales/revenue:

Do you have any operations or do any work outside Canada:

Does the applicant anticipate entering into other operations, other than those already described, during the next 12 months?:

Does the applicant engage in any of the following operations (check all that apply):

Do you employ subcontractors:

Are all sub-contractors required to provide proof of liability insurance:

Do any employees regularly drive their own vehicles on company business:

Limits start at $1,000,000. Many contracts now specify a minimum limit of $5,000,000.
We will use this to provide a straight comparison to your current coverage. Feel free to remove any premium information.
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North Vancouver

1315 Marine Drive

PH: 604-985-0581
PH: 1-800-229-3590

Mon-Fri: 8:30am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed

InsureBC Squamish

850-1200 Hunter Place

PH: 604-892-1033

Mon-Fri: 9am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed


234 Reid Street

PH: 250-992-5544

Mon-Fri: 8:30am - 5:30pm
Sat: 9am - 5pm
Sun & Holidays: Closed