How to read these estimates

This page provides illustrative, non-binding examples of how bundling Commercial General Liability (CGL) with Commercial Property coverage can affect premium totals for small to mid-sized Canadian businesses in Ontario (ON), British Columbia (BC), and Alberta (AB). All figures are high-level, approximate, and for scenario planning only—not quotations or promises of savings. Quebec is intentionally excluded.

Important disclaimer

Numbers below are rounded estimates for clean-loss accounts and common limits; actual pricing depends on insurer appetite, underwriting data, and market conditions. Always obtain a tailored quote.
Bundling may increase or decrease total cost depending on the risk and available markets; the “5–15%” savings cited here is illustrative only.

What’s being bundled

Commercial General Liability (CGL): third‑party bodily injury, property damage, and personal/advertising injury protections. See Summit’s primer: Commercial General Liability.
Commercial Property: buildings, contents, equipment, inventory, and related perils. See Summit’s primer: Commercial Property Insurance.
Related property-linked coverages often packaged alongside property (not shown in the pricing below): Business Interruption, equipment breakdown, crime, and water/catastrophe extensions when available.

Methodology and assumptions (illustrative)

Limits/values assumed per profile (e.g., CGL $2M per occurrence; contents/TIV sized to the trade). Cooking risks assumed to have suppression; contractors assumed light commercial work; professional/tech offices assumed low hazard occupancy.
Rating drivers vary by trade and province: construction/occupancy, year of build, fire protection, security, revenue/payroll, cooking exposure, catastrophe exposure (e.g., wildfire/earthquake), and prior losses.
Illustrative “bundled” totals apply a scenario credit within 5–15% to the separate-policy combined figure. Credits shown are examples and not universal.

Sample profiles: separate vs bundled totals (CAD)

The table below contrasts separate-policy totals (CGL + Property) with an illustrative bundled total by trade and province. Figures are rounded and for planning only.

Trade (profile)	Province	Separate CGL	Separate Property	Separate Total	Applied Savings %	Bundled Total
General Contractor (light commercial; office contents ≈ $100k)	ON	$1,100	$650	$1,750	10%	$1,575
General Contractor (light commercial; office contents ≈ $100k)	BC	$1,200	$780	$1,980	8%	$1,820
General Contractor (light commercial; office contents ≈ $100k)	AB	$1,050	$620	$1,670	9%	$1,520
Restaurant/Café (≈ 40 seats; cooking with suppression; TIV ≈ $750k)	ON	$1,400	$3,600	$5,000	12%	$4,400
Restaurant/Café (≈ 40 seats; cooking with suppression; TIV ≈ $750k)	BC	$1,550	$3,950	$5,500	10%	$4,950
Restaurant/Café (≈ 40 seats; cooking with suppression; TIV ≈ $750k)	AB	$1,350	$3,300	$4,650	11%	$4,140
Tech/Professional Office (≈ 10 staff; contents ≈ $250k)	ON	$650	$900	$1,550	8%	$1,430
Tech/Professional Office (≈ 10 staff; contents ≈ $250k)	BC	$700	$980	$1,680	7%	$1,560
Tech/Professional Office (≈ 10 staff; contents ≈ $250k)	AB	$600	$840	$1,440	9%	$1,310

How to interpret

The “Applied Savings %” is an example of a multi-line/package credit when property and liability are placed together. Actual credits vary by insurer, class, and risk profile.
Property-heavy risks (e.g., restaurants) often see larger absolute-dollar impacts from any credit because property premiums dominate the total.

Province-level observations from the examples

Ontario (ON): In these scenarios, applied credits cluster near the middle of the 5–15% range.
British Columbia (BC): Example credits are on the lower half of the range; property and catastrophe loadings can influence the final total for some occupancies.
Alberta (AB): Example credits sit mid-range; contractor and office profiles often benefit from bundling simplicity.

When bundling might not lower total cost

A specialty property market (vacant, unprotected, high-hazard cooking, or unique construction) is needed, while a mainstream market is best for CGL.
A particular carrier’s coverage form or deductible structure fits one line well but not the other.
Prior losses or risk characteristics trigger minimum premiums that offset package credits.

Trade-specific notes and related resources

Contractors: Check installation floater, rented/leased equipment, and wrap-up needs; start here: Contractors Insurance.
Restaurants: Validate equipment breakdown, spoilage, liquor liability, and business interruption; see: Restaurants.
Professional/Tech offices: Consider cyber and E&O alongside CGL + Property; see: Professional Services and Cyber Insurance.

How Summit approaches bundling

Independent market access: We shop multiple Canadian insurers to align coverage, terms, and total cost—no exclusive single-carrier commitments.
Transparency in compensation: We disclose how we’re paid (commissions, fees) and when any contingency arrangements may apply. Details: How We Get Paid.
Curated coverage design: CGL and Property are coordinated to reduce gaps and duplication (e.g., BI triggers, water perils, COPE data consistency).

What impacts your price (quick checklist)

Occupancy, construction, year built, protection (sprinklers, alarms), and exposure (location, nearby hazards).
Revenue, payroll, limits/deductibles, business interruption basis/indemnity period.
Cooking or hot work exposures, security practices, and prior claims.

Get a tailored quote

Ready for precise, market-tested pricing for ON, BC, or AB? Share your basics (operations summary, address, years in business, revenue/payroll, building/contents values, prior losses), and a Summit broker will market both lines concurrently for apples-to-apples comparisons. Contact us: Summit Commercial Solutions.

Final disclaimer

These examples are not quotes or guarantees of savings. They are conservative, illustrative bands intended to help compare the order of magnitude between separate placements and a bundled approach for typical risks in Ontario, British Columbia, and Alberta. Always confirm coverage terms, exclusions, and pricing with a licensed broker and the quoting insurer.