Introduction
Bundling Commercial General Liability (CGL) with Commercial Property into one package can often reduce the combined premium for Canadian businesses outside Quebec. To keep expectations realistic, a conservative savings band to model is 5–15% off the combined unbundled total, subject to underwriting and market conditions.
What’s in scope for this bundle
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Commercial General Liability (CGL): third‑party injury, property damage, and advertising injury. See coverage details on Summit’s CGL page.
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Commercial Property: building, tenant improvements, contents, inventory, and equipment for insured locations. See coverage details on Summit’s Commercial Property page.
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Geography: Available across Canada except Quebec (ex‑QC).
Conservative savings band to model (5–15%)
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Multi‑line credits are commonly applied when the same carrier writes both CGL and Property, reducing the total package premium rather than each line individually.
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The 5–15% range here is intentionally conservative for planning and comparison. Actual credits vary by carrier appetite, loss history, limits, deductibles, construction/occupancy/protection/exposure (COPE), and province.
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Credits are not guaranteed; they are subject to underwriting.
Example premiums before/after bundling (illustrative)
Assumptions: clean loss history, ordinary hazards, standard deductibles, Canada ex‑QC. These are not quotes.
| Segment (Province) | Unbundled CGL | Unbundled Property | Unbundled Total | Assumed Bundle Credit | Bundled Total | Estimated Savings |
|---|---|---|---|---|---|---|
| Retail boutique, 1,500 sq ft (BC) | $900 | $2,100 | $3,000 | 10% | $2,700 | $300 |
| Electrical contractor, small office/storage (AB) | $1,800 | $900 | $2,700 | 7% | $2,511 | $189 |
Method note: “Bundle credit” shown as a single discount to the combined total for clarity. In actual quotes, carriers may apply credits differently (e.g., as package pricing or line‑level adjustments). Examples exclude broker fees, provincial taxes/levies, equipment floaters, flood/quake buy‑backs, or endorsements beyond standard forms.
When bundling tends to help
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Same‑carrier package eligibility (fewer minimum premiums, one renewal date, and potential multi‑line credits).
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Ordinary hazard classes (e.g., retail, professional services, light trade contractors) where one market can comfortably underwrite both lines.
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Streamlined claims and service with a single policy package and adjuster channel.
When separate placement may be better
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Non‑standard property hazards (e.g., high fire load, older unprotected construction, heavy manufacturing) that require a specialty property market while liability remains mainstream.
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Adverse loss history or high limits that push CGL and Property to different carriers for capacity and pricing.
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Complex schedules across multiple provinces with differing coverage needs or deductibles per location.
How Summit quotes CGL + Property bundles (ex‑QC)
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Exposure mapping: confirm operations, revenue/payroll, COPE data, contents values, BI worksheet, and prior loss runs.
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Market selection: approach carriers likely to quote both lines competitively; separate lines only if underwriting dictates.
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Options matrix: present package vs. split‑market options with premiums, limits, deductibles, key endorsements, and any multi‑line credits.
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Decision support: quantify the premium delta, coverage deltas, and ease‑of‑service considerations so you can choose best‑value terms.
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Transparent compensation: see Summit’s How We Get Paid for commission/fee disclosure.
Next steps and related hubs
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Explore line‑by‑line scope on the CGL hub.
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Review property scope on the Commercial Property hub.
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Request a package comparison with Canada ex‑QC eligibility, preferred limits/deductibles, and any lender/landlord requirements.