While Commercial General Liability (CGL) insurance offers broad protection, it does not cover every risk your business might face. Understanding these exclusions helps you avoid costly surprises and plan for complete coverage.

Some key exclusions include:

• Professional Errors – CGL excludes mistakes in advice, design, or professional services. For example, if a consultant gives faulty advice that causes a client financial loss, CGL will not pay the claim. Businesses offering professional services should purchase Professional Liability Insurance to cover these risks.

• Employee Injuries – CGL doesn’t handle employee injury claims. In Ontario, the Workplace Safety and Insurance Board (WSIB) manages workplace injury coverage. Employers must register with WSIB or secure separate coverage for employees.

• Intentional Acts – Insurance companies will not cover deliberate harm or damage caused by the business or its employees. Policies only protect against accidental or unforeseen events.

• Contractual Liability – Some liabilities you assume under a contract may fall outside standard coverage. However, you can add endorsements to cover specific contractual obligations if needed.

• Pollution & Environmental Damage – Most CGL policies exclude pollution claims unless you purchase a Pollution Liability add-on. This coverage protects businesses handling chemicals, waste, or other environmental hazards.

• Your Own Property – CGL focuses on third-party property damage. To protect your own buildings, equipment, or inventory, you need Business Property Insurance or a Commercial Package Policy.

An experienced Ontario insurance broker reviews your business operations, identifies coverage gaps, and recommends additional policies tailored to your risks. They might suggest Cyber Liability Insurance for data breaches, Errors & Omissions Insurance for professional mistakes, or Directors & Officers Insurance for executive-level protection.