Want quick, easy, online commercial general liability insurance in Victoria? But you don’t want to sacrifice on coverage? We’ve got you. Bullfrog offers instant coverage, rockstar treatment and no bull. We get you Victoria commercial general liability insurance quotes from different insurers to make sure you get the best price for your protection. Plus, we’re fast – protect your business in less than 5 minutes.
How to Get Commercial General Liability Insurance Online in Victoria
We make it super simple to get commercial general liability insurance online in Victoria:
- Enter your industry and profession.
- Provide your contact information.
- Answer a few questions about your company and its operations.
- Choose your insurance coverage.
- Review your Victoria commercial general liability insurance quotes.
- Choose your insurance provider.
- Pay online.
- You’re insured – you’ll receive your policy documents and certificate of insurance right away via email.
It’s really that simple. And if you need help, our insurance experts are available via online chat, email or phone during our business hours.
What affects commercial general liability insurance rates in Victoria?
The following factors affect commercial general liability insurance rates in Victoria:
- Your company’s industry
- Your business operation
- Your company’s annual revenue
- The number of employees your business has
- Where your company operates (I.e. within the province, nationally, or internationally)
- Where your business is physically located
- Your insurance history
- Your insurance coverage options
How much does Victoria commercial general liability insurance cost?
The cost of commercial general liability insurance in Victoria starts at $500 or $1000, depending on the insurer.
We provide you with commercial general liability insurance quotes from different Victoria insurance companies. This ensures you get the best price for your coverage.
What’s covered by Victoria commercial general liability insurance?
If your business is sued for causing bodily injury or property damage to a third party due to negligent acts, Victoria commercial general liability insurance will help reduce the financial burden. It covers your legal expenses, such as defense costs, judgement awards and settlements.
A bodily injury is anything where someone is hurt physically, such as if someone falls and breaks their arm. Property damage is damage or destruction of a third party’s property. A third party is anyone who isn’t employed by your business, such as a client, vendor, or random passerby. Negligent acts are defined as not operating with due care in a specific circumstance.
Occurrence Based Coverage
All of Bullfrog’s commercial general liability insurance policies in Victoria are occurrence-based. This means that you’re covered so long as the incident occurred during an insured period. So let’s say you were insured with us in 2018. Someone slipped and fell that year. In 2019, you sold your business and are no longer insured. That individual then decides to sue you. Because you were insured when the incident happened, you’d be covered.
What isn’t covered by commercial general liability insurance in Victoria?
The following isn’t covered by commercial general liability insurance in Victoria:
- Injury to employees
- Damage to company property
- Injury or damage caused while driving a vehicle
- Injury or damage caused intentionally
- Financial loss to a third party caused by a professional service or advice
- Cyber or privacy liability
You may be able to protect your business with another type of insurance in Victoria.
Commercial general liability insurance is designed only to protect your business if you’re sued for causing property damage or injury to a third party due to negligent acts. It doesn’t offer protection for anything else.
Your policy documents will outline exactly what isn’t covered as well – if you have any questions, you can talk to one of our insurance experts.
Claim Scenarios in Victoria
Lawsuits for bodily injury or property damage due to negligence are unfortunately common and can affect any business in Victoria, regardless of size or industry. Here are a few scenarios where your company would be protected by Victoria commercial general liability insurance:
- Someone walking by slips and falls on the sidewalk outside of your premises or work site. Unfortunately, they injure themselves and decide you for negligence causing them bodily injury.
- A client claims an employee caused damage to their flooring and walls during a renovation project. They sue you for damages.
- A competitor accuses you of reputational harm after you give an interview.
There are many scenarios that can result in a lawsuit for negligence causing injury or property damage. That’s why this coverage is recommended for all businesses in Victoria, regardless of industry or size.
Why do I need commercial general liability insurance in Victoria?
Although commercial general liability insurance is not required by law in Victoria, there are two reasons your business may need this important coverage:
- You have contracts that require you carry a certain amount of commercial general liability insurance.
- Your business cannot afford to cover the expenses of a lawsuit out of pocket.
Certain industries in Victoria commonly require commercial general liability insurance, such as construction contractors. A landlord may also require you to have this coverage. This protect both your business and your landlord, client or other contract partner.
Lawsuits are expensive. A single lawsuit can financially cripple a business. Commercial general liability insurance protects Victoria businesses by reducing the financial burden of a lawsuit. Get an online commercial general liability insurance quote in Victoria today or contact us to learn more.
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!Get a Quote Now
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.
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.
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!