Commercial Liability Insurance Built to Protect Your Business
From day-to-day operations to complex projects, we help protect your business against third-party claims and unexpected liability exposure.
What We Cover
We provide tailored liability insurance solutions, including:
- Commercial General Liability (CGL)
- Products & Completed Operations Liability
- Contractual Liability
- Tenant’s Legal Liability
- Employer’s Liability (where applicable)
- Umbrella & Excess Liability
Commercial General Liability (CGL)
Commercial General Liability is the foundation of most business insurance programs.
It provides protection against claims involving:
- Bodily injury to third parties
- Property damage caused by your operations
- Legal defence costs associated with covered claims
Whether you operate a physical location, work on job sites, or interact with customers and clients, CGL is a core component of protecting your business.
We help ensure your policy is structured with the appropriate limits, extensions, and endorsements based on how your business operates.
Products & Completed Operations
For businesses that manufacture, distribute, or install products — or perform work that continues to carry risk after completion — products and completed operations coverage is critical.
This coverage is designed to protect against claims arising after a product is sold or work is completed, including:
- Product defects causing injury or damage
- Installation or workmanship issues
- Ongoing liability tied to completed projects
This is particularly important for:
- Manufacturers and processors
- Contractors and trades
- Retail and distribution businesses
We help ensure this coverage aligns with your products, contracts, and operational risk.
Contractual Liability
Many businesses operate under contracts that transfer or assume liability.
Whether it’s a construction contract, lease agreement, or service contract, liability obligations can vary significantly and may extend beyond standard policy wording.
We help review contractual requirements and ensure your liability coverage aligns with:
- Indemnification clauses
- Insurance requirements in contracts
- Certificates of insurance and additional insureds
This is a key area where gaps can occur if not structured properly.
Who We Work With
We support a wide range of businesses across industries, including:
- Contractors and construction companies
- Manufacturing and industrial operations
- Retail, wholesale, and hospitality businesses
- Real estate owners and property managers
- Professional service firms
- Agricultural operations
From smaller businesses to larger organizations with complex operations, we structure liability coverage that evolves with your business.
Common Risks & Considerations
Commercial liability insurance needs to reflect how your business interacts with people, property, and projects. Key considerations include:
- Exposure to customer or third-party injury
- Property damage caused by operations or employees
- Contractual liability and risk transfer obligations
- Products and completed operations exposure
- Legal defence costs and litigation risk
- Increasing claim severity and settlement costs
Ensuring your coverage reflects these risks is critical to protecting your business and financial stability.
Operational Areas We Consider
A strong liability insurance program takes into account the full scope of your business, including:
- Nature of your operations and services
- Number of locations and geographic exposure
- Customer interaction and public access
- Contracts and third-party agreements
- Products manufactured, sold, or installed
- Growth and expansion plans
We take a practical approach to understanding how your business operates so your coverage aligns accordingly.
Why Choose Coughlin Insurance?
We focus on building liability programs that protect your business — not just placing standard policies.
Experience structuring liability programs across multiple industries
Access to leading Canadian and global insurance markets
Ability to align coverage with contracts and operational realities
Practical, straightforward advice
Ongoing support as your business grows and evolves
Frequently Asked Questions
What is commercial general liability insurance?
It protects your business against claims for bodily injury or property damage caused to third parties.
How much liability insurance do I need?
Limits vary depending on your industry, contracts, and exposure — many businesses require higher limits as they grow.
Does liability insurance cover legal costs?
Yes — legal defence costs are typically included in liability policies.
What is the difference between CGL and umbrella insurance?
CGL provides primary coverage, while umbrella or excess policies provide additional limits above that coverage.
Do I need liability insurance if I don’t have a physical location?
Yes — liability exposure can still arise from your operations, services, or products.
Let’s build a liability program that protects your business and supports your growth.
