All of Bullfrog’s Toronto commercial general liability insurance policies are occurrence-based. This means that you’re covered as long as the incident occurred during the period of time you were insured with us, regardless of when you’re sued.
For example, say you’ve been insured for us for 5 years before you decide to sell your business. Once your business sold, you’ve cancelled your insurance. In the year before you sold, an individual slipped and fell on your premises, injuring themselves. However, they decide to sue over a year later – after you’ve already cancelled your insurance policy. No worries – with Bullfrog, you’d still be protected as the incident occurred when you still had a policy with us.