Average monthly CGL for sole proprietor (Canada, ex‑QC)
Introduction
For a sole proprietor in Canada (excluding Quebec), typical entry-level Commercial General Liability (CGL) premiums fall around $35–$60 per month for $1M limits and $45–$85 per month for $2M limits, before taxes and fees.
Quick price table (indicative)
| Limit | Typical monthly premium band* |
|---|---|
| $1,000,000 | $35–$60 |
| $2,000,000 | $45–$85 |
*Bands reflect low- to moderate-risk classes (e.g., consultants, freelancers, light trades) in Canada ex‑QC. Actual quotes vary by industry, province, revenues, claims, deductibles, and endorsements.
What moves the price up or down
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Trade class and operations: higher hazard work (e.g., contracting at height) prices higher than office‑based services.
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Province and rating territory: pricing differs across Canadian provinces (ex‑QC) due to loss experience and legal environment.
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Revenue and payroll: more activity generally increases exposure.
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Claims history: recent or severe losses add surcharges; clean histories may qualify for preferred rates.
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Limits, deductibles, and forms: higher limits, lower deductibles, or additional insured/waiver requirements can increase premium.
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Premises and footfall: storefronts and jobsite work typically price higher than home‑based consultancies.
Get an exact quote (fast)
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Start at the CGL hub to compare coverage details and options: Commercial General Liability.
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Or contact a broker to shop multiple insurers and confirm today’s rate: Contact Summit.
Related micro‑page
- What does $2M CGL cost per year (Canada, ex‑QC): see “cgl-2m-per-year.”