Introduction

Commercial General Liability (CGL) protects Canadian businesses against third‑party bodily injury, property damage, and personal/advertising injury claims. If you’re comparing budgets or preparing for a contract that specifies minimum limits, use this page’s mini‑calculator to estimate an annual and monthly premium range, then click through to get an exact quote from Summit. For CGL coverage details, see Commercial General Liability (CGL).

Mini CGL Cost Calculator (Estimator)

Inputs supported by this estimator:

• Province: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, SK, YT (Quebec not currently supported)

• Industry: consulting, retail, contractor, tech

• Revenue band: under $250k; $250k–$1M; $1M–$5M; $5M–$10M

• Limit: $1M, $2M, $5M

Estimator logic (high‑level):

• Base ranges reflect small‑business benchmarks commonly seen in Canada for $1M CGL: consulting/tech ≈ $450–$800; retail ≈ $550–$900; contractor ≈ $900–$2,200.

• Revenue multipliers: $250k–$1M ≈ ×1.2; $1M–$5M ≈ ×1.6; $5M–$10M ≈ ×2.2.

• Limit multipliers: $2M ≈ ×1.25 over $1M; $5M (often via excess/umbrella) ≈ ×2.5 over $1M.

• Province adjustment: Ontario tends higher on average; the estimator applies a +10% adjustment for ON; other listed provinces default to baseline.

What you’ll see:

• Output: estimated annual and monthly premium range for the chosen inputs.

• Primary call‑to‑action below the widget to get an exact, bindable quote from Summit.

Note: This is an educational estimator, not a quote. Actual premiums depend on full underwriting (operations, claims history, subcontracting, contracts/COIs, risk controls, etc.).

Example outputs (for illustration)

The table below shows four sample input combinations and the estimator’s output. Your result will update when you use the live widget on Summit’s site.

Get my exact quote

Small print: Quebec is excluded from this estimator and Summit’s service area for this product at this time.

What affects your price

Based on common Canadian market practices and Summit’s brokerage experience, key rating drivers include:

• Industry and operations (on‑site/public exposure vs. office‑based work)

• Location (urban density, local claims trends); tenants legal liability requirements

• Annual and projected revenue; number of employees

• Coverage limits and deductibles; certificates and contract wording requirements

• Claims history and loss controls (training, logs, incident response)

• Use of subcontractors and contractual risk transfer For coverage fundamentals and cost factors, see CGL at Summit.

When to consider higher limits

• Contractual requirements frequently stipulate $2M to $5M CGL.

• Increasing limits typically adds less than proportionally to premium (e.g., many markets price $2M only modestly above $1M, with higher limits often placed via umbrella/excess).

• If you handle higher foot traffic, work off‑site, or your leases/vendors mandate it, start your quote at $2M. Details: CGL.

Save on CGL without cutting protection

• Bundle with property/business interruption where appropriate; see Commercial Property Insurance

• Right‑size limits/deductibles to your actual contract values and risk tolerance

• Document safety protocols, training, and incident logs; maintain clean claims history

• Use written contracts with subcontractors and secure additional insured/hold‑harmless where appropriate

Methodology (estimator)

• This estimator converts widely referenced Canadian small‑business CGL benchmarks into base ranges by industry, then applies simple multipliers for revenue, limits, and a modest Ontario adjustment.

• It reflects commonly observed market patterns (e.g., $1M–$5M limit tiers; higher limits often placed via umbrella). Ranges are directional only and not a guarantee of coverage or price.

• For bindable terms, Summit will market your risk to multiple carriers and curate the best value for your operations. Start here: Get my exact quote or Contact Summit.

FAQs

Is this a quote? No. It’s an educational estimate. Get a bindable quote via CGL at Summit.

Which provinces are supported? All listed provinces and territories except Quebec.

What’s included in CGL? Third‑party bodily injury, property damage, and personal/advertising injury, subject to your policy’s wording and limits. See CGL.

What’s not included? Your business property, cyber incidents, or professional negligence typically require separate coverages (see Commercial Property and Cyber).

Can I pay monthly? Many insurers offer financed monthly payments; availability and terms vary by carrier and credit approval.