Commercial General Liability
Commercial General Liability (CGL) insurance is a key building block to protecting small business.
Backed by industry leaders
What is Commercial General Liability?
Protection for third-party claims involving bodily injury and property damage by your business.
What does CGL cover?
01 / 04What makes Foxquilt's CGL different?
Priced for the work you do
We ask questions to custom build your unique CGL policy. Plus, we throw in perks like free Additional Insureds.
Fast, easy, and digital
Quote and buy your policy from your phone, tablet or laptop - on your own, or with our team on the line.
Hassle-free policy documents
After you purchase your policy, you'll get your documents and certificates automatically in your inbox.
Foxquilt's CGL is built for…
Contractors
You work on other people’s property, which is exactly where Commercial General Liability earns its keep and where the certificate gets asked for before you’re allowed on site.
eCommerce
Every unit you ship is a product someone could be hurt by. Marketplaces know this, which is why most won’t let you scale without proof of General Liability.
Personal Services
You work on, around, or in people’s homes and bodies. When a client is hurt or their property is damaged, General Liability is the policy that answers.
Answers in, certificate out.
A few questions, no paperwork.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do. No confusing forms, no waiting on someone to get to it Monday.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do.
A real price you can buy on the spot.
Your CGL quote is priced instantly with the limits you need. Choose a payment plan that works for you and pay online to put the coverage in force.
Your CGL quote is priced instantly with the limits you need. Choose a payment plan and pay online.
Certificates and policy docs, straight to your inbox.
Your COI and policy documents are emailed the moment you buy, so you can send proof of insurance before the day is out.
Your COI and policy documents are emailed the moment you buy.
Built for North American small business.
We write Commercial General Liability on both sides of the border. Whether you're a Toronto contractor to a Texas online seller, we've got your back.
United States
Available online
Canada
Available onlineWhat else does your business need?
Errors & Omissions
Protection for third-party claims of financial loss caused by the professional service or advice you provide - the gap that CGL leaves open.
See E&O Coverage →Can cover medical care and lost wages when one of your own employees is hurt on the job. Required in most states the moment you hire your first employee.
Learn More→Can cover the vans, trucks, and trailers you drive for work. Your personal auto policy very likely excludes business use.
Learn More→Can cover a breach of your customer data, a ransomware lock-out, or a wire transfer sent to a fraudster.
Learn More→Can cover your own stuff - like the shop, the stock, the tools, the equipment. CGL only pays for other people’s property, so this is the other half of the pair.
Learn More→It depends on a multitude of factors, like what you do, your revenue, where you work. Rest assured though, the quote you see online is the real price, not an estimate we revise later.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
Your first COI is emailed the moment your payment clears. After that you can generate a new one yourself - including naming an additional insured - in about a minute, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Mistakes in your professional advice or service (that's Errors & Omissions), injuries to your own employees (Workers' Compensation), damage to your own property or tools (Commercial Property), and accidents in your work vehicle (Commercial Auto). We can help you quote all four alongside your CGL.
Usually, yes. A homeowner's policy won't respond to a business claim, and sole operators are personally exposed to the same third-party injury and damage claims a ten-person shop faces. Most clients, venues, and marketplaces will also require it in writing.
Yes. Pay the annual premium up front, or spread it across monthly instalments at checkout. Either way coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your CGL quote in under ten minutes.
Answer a few questions and get your policy documents straight to your inbox today.