Introduction
Use these 2025 benchmark ranges to orient on Commercial General Liability (CGL) premiums for small–mid sized businesses in British Columbia. Actual pricing depends on revenue, operations, contracts, location, and claims history. For coverage details, see our CGL guide. To lock pricing and get a certificate of insurance, start a quote.
2025 BC CGL benchmark pricing (annual premium ranges, CAD)
Annual ranges are indicative before provincial taxes/fees and assume clean loss history.
| Business class (typical profile) | $1M limit | $2M limit | $5M limit |
|---|---|---|---|
| Consultants & Professional Services (advisory/design/admin) | $300–$700 | $350–$850 | $900–$1,800 |
| Contractors – small trades/GC (≤ ~$2M revenue, light GC) | $900–$2,200 | $1,200–$3,000 | $3,500–$7,000 |
| Retail & Ecommerce (low/moderate hazard goods) | $500–$1,200 | $650–$1,600 | $1,800–$3,800 |
| Restaurants & Cafes (quick service to full‑service) | $750–$1,800 | $950–$2,400 | $2,800–$5,500 |
FAQs
Is a $2M CGL limit sufficient for BC businesses?
Often yes for office‑based services and many tenancy requirements, but contractors, manufacturers, and venues may require $5M. Match limits to contract wording, customer footfall, and severity risk. If in doubt, ask us to review your contracts.
What drives my CGL price the most?
Primary drivers include operations and hazard class, gross revenue/payroll, contract requirements, location, prior claims, subcontractor controls, and risk management (e.g., written procedures, waivers, training).
How fast can I get proof of insurance (COI)?
Same day in many cases once terms are accepted and payment arranged. Tell us your deadline; we’ll prioritize time‑sensitive COIs.
What information do you need to quote?
Legal name, operations description, years in business, revenues/payroll, locations, employees/subcontractors, contracts, and five‑year loss history. Start here: request a quote.
Last updated: November 2025.