Commercial General Liability Insurance in Saskatchewan
Commercial General Liability is private insurance for certain third-party liability risks. It is separate from Saskatchewan WCB workplace coverage, commercial auto insurance and professional liability.
Key points
Verify how the rule or coverage applies to the specific business, contract and policy.
Verify how the rule or coverage applies to the specific business, contract and policy.
Verify how the rule or coverage applies to the specific business, contract and policy.
Verify how the rule or coverage applies to the specific business, contract and policy.
Start with the actual operation
A retail store, contractor, consultant and cleaning company expose third parties to different risks. Limits, endorsements and exclusions should follow the business's real activities rather than a generic small-business package name.
Contracts often drive liability limits
Landlords, clients, municipalities and general contractors can require specified CGL limits or additional-insured wording. Those contractual requirements are separate from Saskatchewan statutory WCB rules.
One liability policy does not cover every liability
CGL, professional liability, commercial auto and cyber coverage address different causes of loss. Businesses should map each exposure rather than assuming the word liability means the same thing in every policy.
Verify the current Saskatchewan rule or coverage
WCB policies, SGI carrier requirements and commercial insurance wording can change. Use the primary source below and confirm the requirements that apply to the business.
Insurance Bureau of Canada — Types of business insurance coverage →