As a business owner you are legally obligated to protect customers and others while they are on your premises. And your obligations extend beyond your business premises. You also have an obligation to ensure that products you manufacture or sell are safe, and that work performed by you or your employees does not cause injury or damage to others. If an accident does happen, and you are found legally liable for negligence, your liability insurance can be called upon for defence and indemnity costs, subject to policy limitations.
- Commercial Liability covers the following:
- Bodily injury to others
- Personal injury to others
- Advertising Injury to others
- Property Damage to the property of others
A standard Commercial General Liability policy should also cover:
- Medical costs incurred by others as a result of an accident
- Tenants' Legal Liability coverage for damage that you may cause to premises you rent or lease
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