British Columbia Commercial General Liability Insurance

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If you’re sued for causing someone an injury or damaging their property due to negligence, could you afford to cover the costs out of pocket? Commercial general liability insurance helps protect your British Columbia business from the financial devastation of these types of lawsuits.

At Bullfrog, we make getting protection easy. You get instant coverage, rockstar treatment and no bull. We figure you have enough to worry about with running a business.

How to Get Commercial General Liability Insurance in British Columbia

Bullfrog makes it easy for BC businesses to get commercial general liability insurance online. Just follow these easy steps:

  1. Type in your industry and profession.
  2. Provide some contact information.
  3. Answer a few questions about your business operations.
  4. Choose your insurance coverage.
  5. Review your commercial general liability insurance quotes for your BC business.
  6. Choose a provider and quote to proceed with.
  7. Pay online.
  8. You’re insured!

We email you your policy documents and certificate of insurance right away. It’s really that simple. It’s really that fast.

Why do I need commercial general liability insurance in British Columbia?

Most businesses in BC carry commercial general liability insurance. This is because nearly every business has the risk of getting sued for negligence if a third party is hurt or has their property damaged. This coverage protects your business financially if you’re sued for this reason.

While commercial general liability insurance is not required in British Columbia, it may be required in a contract (such as with a landlord or client).

Lawsuits can financially cripple a business. Commercial general liability insurance can help cover expenses associated with a lawsuit and reduce the financial burden on your business. It’s affordable coverage for a lot of protection – which is why so many businesses carry this type of insurance.

What is commercial general liability insurance?

In BC, commercial general liability insurance covers legal expenses if a company is sued for causing bodily injury or property damage to a third party due to negligent acts. Legal expenses include defence costs, judgement awards and settlements.

Here are a few examples:

  • Bodily Injury – Someone slips and falls while walking into your premises. Unfortunately, they injure themselves and sue your business for negligence causing them an injury.
  • Property Damage – An employee at a worksite drops a tool and damages the client’s property. They sue you to cover the damages.
  • Reputation Harm – You give an interview to local news, discussing common problems in your industry. A competitor sues you for causing them reputation harm.

Occurrence-Based Commercial General Liability Insurance in BC

At Bullfrog, our commercial general liability insurance for BC is occurrence-based. This means that you’re covered by your policy so long as the incident occurred during your policy period, even if you’re sued much later.

For example, let’s say someone slips and falls on your property. You have a policy with Bullfrog. But at the end of the year, you decide to get out of owning your own business. Then you’re sued. Because you had an active Bullfrog BC commercial general liability insurance policy when the incident happened, you’d be covered even though you’re getting sued later.

How much commercial general liability insurance do you need in British Columbia?

In BC, the amount of commercial general liability insurance your business needs depends on your individual circumstances. Here are a few things to consider when choosing the amount of coverage:

  • Your industry
  • Your business operations
  • Your annual revenue
  • The number of employees
  • Where you operate
  • The likelihood of a lawsuit
  • The expected cost of a lawsuit

If you’re not sure, one of our insurance experts can help you choose the right amount of protection.

How much does commercial general liability insurance cost in British Columbia?

In BC, commercial general liability insurance starts at $500 or $1000, depending on the insurer. Your individual costs will depend mainly on your business operations and coverage options, as well as several other factors.

What affects commercial general liability insurance rates in British Columbia?

The following factors affect commercial general liability insurance rates in BC:

  • Your industry
  • Your business operations
  • Your annual revenue
  • The number of employees you have
  • Where your business operates
  • Your insurance history
  • Your insurance coverage options

Every insurance company calculates rates differently, which is why we offer commercial general liability insurance quotes from different BC insurers. You get the most competitive prices for your protection.

If you have any questions, don’t hesitate to reach out to us online, by email, or over the phone!

How to get it

Simply fill out our short online questionnaire and we instantly provide you with multiple online insurance quotes based on your needs. All coverage options are standardized between insurance companies so all you have to do is compare insurance quotes based on price!

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Why our customers love Bullfrog

Our customers love Bullfrog because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.

Stephen Hammond

Harassment Solutions INC / BC & AB

Due to a client’s request, and for the first time, I needed Commercial General Liability insurance, but I had no clue where to start. I Googled “CGL” and up came Bullfrog Insurance. Even though my needs were relatively small, due to the client needs, they had to be very specific. Every question I asked was answered by the Bullfrog insurance representative, Raman, who was very helpful. And then when I realized I needed more coverage, she didn’t flinch and let me know she’d get back to me right away. I got great coverage and all of it was done via email. Now I’ll know who to turn to for other small business insurance needs.

Sev Michaels

White Lilac INC. / Alberta

Thank you so much for your assistance, you made the process so painless. I have contacted other brokers before and they made it so complicated. Also, you were far more efficient!

An Important Update About Bullfrog Insurance 

Please be aware that due to a change in our operations, Bullfrog Insurance has made the difficult decision to start winding down our business. This means we are no longer accepting new clients. 

Are you an existing Bullfrog Insurance client? Rest assured that your coverage remains valid, and you’ll continue to be protected up until your policy expiry date. Watch your inbox for more details from our team.