Commercial General Liability Insurance in Newfoundland – Hassle-Free, Easy, & Digital

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Bullfrog Insurance Insures Newfoundland Businesses with Commercial General Liability Insurance in Less Than 90 Seconds.

Get Commercial General Liability Quotes in Newfoundland and Buy Instantly.

Looking to purchase commercial general liability insurance as a Newfoundland small business owner? You have come to the right place. Bullfrog Insurance has revitalized the process of purchasing insurance, giving business owners an instant way to purchase coverage with rockstar treatment and no bull. We offer a means to acquire quick and easy commercial general liability insurance quotes in Newfoundland digitally, which you can choose from and, if you so wish it, go right ahead to purchase. There is no lengthy application process or long wait on hold just to get insurance. You can get protection almost instantly, protect your business and get back to work faster.

FAQs for Newfoundland Commercial General Liability Insurance

Oftentimes, commercial general liability insurance is abbreviated to “CGL.” CGL in Newfoundland is a standard form of insurance that business owners can purchase, and it is designed to help cover legal expenses if you are ever sued for negligence resulting in property damage or bodily injury. Still unsure? That’s okay – our Bullfrog Insurance experts are here to clear things up with you, whether that’s over the phone or in our diligently answered FAQs listed below for your convenience.

What does commercial general liability insurance cover in Newfoundland?

Commercial general liability insurance is designed to cover legal expenses in the event you are ever sued for negligence, resulting in bodily injury or property damage. Bodily injury is defined as anyone’s physical injury resulting from negligent acts (or negligent acts your business has been accused of). This can occur on the premises of your physical business, on public property or on a client’s site. Property damage is defined as physical damage to a third-party’s property. A “negligent act” may be coined as any instance where you failed to or were perceived to fail to exercise appropriate care in certain circumstances. Whether you were negligent or not, you can still be sued. Commercial general liability insurance in Newfoundland may then kick in to cover your legal expenses such as judgement awards, medical payments, settlements and legal defence costs.

What is excluded by my commercial general liability insurance in Newfoundland?

Despite being a base comprehensive policy that nearly every business requires, commercial general liability insurance may not cover some or all the following list:

  • Physical damage to your company’s property
  • Employee injury
  • Liability claims besides property damage/bodily injury resulting from negligence
  • Damages/injuries caused by operating a vehicle
  • Injuries/damages caused by carrying out a professional service/advice
  • Financial losses resulting from your service or advice

Your policy documents will define clearly what exclusions your commercial general liability insurance in Newfoundland will have. It’s important that you familiarize yourself with them or go over them in further detail with the help of your friendly Bullfrog Insurance brokers.

How much commercial general liability insurance in Newfoundland do I need?

That all depends. How much coverage your business may need depends on its risk factor, your budget, as well as a few other factors. Bullfrog Insurance offers a few levels of coverage to choose from:

  • $2 million
  • $3 million
  • $4 million
  • $5 million

This is essentially your “policy limit.” This is the maximum amount you can receive to reimburse you for claims in a policy term – usually a year – and may be spread throughout multiple claims. To determine your coverage needs, it is helpful to ask yourself these questions:

  • What is the average cost of lawsuits in your industry?
  • How often does your industry face lawsuits?
  • Where is your business physically located?
  • What can your business afford to pay for its premiums?
  • Are you required to carry a base amount of commercial general liability per your contract terms
  • What could cause injury during your business operations?
  • How many employees does your business have?

Lawsuits can be expensive, even resulting from the smallest of incidents. It is recommended that you go above the base level of recommended coverage or work with a broker to determine your overall limits.

Is it mandatory to carry commercial general liability insurance in Newfoundland?

Technically no, but note that for small businesses, all it takes is a single claim to put you out of business.Every business should consider carrying commercial general liability insurance, as lawsuits can be costly and can be a financial burden on your Newfoundland business.Although this coverage is not required in all of Canada, you may have contract obligations from a specific client or your lender to carry a certain amount of commercial general liability insurance. It is recommended for every business.

How much does commercial general liability insurance in Newfoundland cost?

The cost of commercial general liability insurance in Newfoundland will differ based on your specific small business. It really all boils down to your risk profile and the likelihood of a claim. Your costs depend largely on:

  • Your industry
  • Your business operations
  • Your business history
  • Your insurance history
  • Your coverage options
  • Physical location
  • Number of employees
  • Annual revenue
  • …and more

Discuss with a Bullfrog Insurance broker if you have concerns about the cost of your commercial general liability insurance in Newfoundland or would like more advice regarding your coverage and how to save.

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Where we offer

Locations where we currently offer professional liability insurance coverage in Canada:
  • Alberta
    • Calgary
    • Edmonton
    • Lethbridge
    • Red Deer
  • British Columbia
    • Burnaby
    • Richmond
    • Surrey
    • Vancouver
    • Victoria
  • Ontario
    • Brampton
    • Hamilton
    • Mississauga
    • Ottawa
    • Toronto

Why our customers love Bullfrog

Bullfrog Insurance has created a faster, hassle-free way to purchase commercial general liability insurance in Newfoundland and we are confident that we can continue to serve you in a way that suits you and your business needs best. Commercial general liability insurance in Newfoundland is a no-brainer for small businesses that want to maintain operations for as many years to come as possible. In under a minute, you can review commercial general liability insurance quotes in Newfoundland online, choose one you like and go right ahead to purchase.

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!

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.

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.