What is covered by commercial general liability insurance in Brampton?
Commercial general liability insurance protects Brampton businesses if they’re sued for causing bodily injury or property damage to a third party due to negligent acts. This protection covers your legal expenses such as defence costs, judgement awards and settlements. You’re also covered regardless of the outcome of the claim.
A third party is anyone not employed by your business, including clients, vendors, and people on the street or completely unassociated with your business. Negligent acts are defined as anything that demonstrates a lack of due care – yes, it’s vague, which is why this protection is important!
All of Bullfrog’s policies are occurrence-based. This means that if someone sues you in the future for an incident that occurred when you were insured with us, you’ll be covered.
Here are a few examples of claims scenarios that would be covered:
- Someone walking into your company’s premises falls and hurts themselves. They sue you for negligence causing them a bodily injury.
- You’re at a worksite, working on a renovation project. An employee accidentally spills paint, ruining the client’s flooring. The client sues you for negligence causing property damage.
- While in your store, an unsupervised kid starts climbing shelves and goofing around. Unfortunately, they fall and get hurt. The parents sue you for causing their child bodily injury due to negligence.
- A competitor sues you for harming their reputation after you give an interview discussing issues in your industry.