What CGL covers, and what it does not
CGL responds to claims that the insured caused bodily injury or property damage to someone else. It also carries personal and advertising injury and products and completed operations exposure, depending on the class. It does not cover the insured's own property, professional errors, or legal costs to pursue someone else. Those sit on property, E&O and legal expense policies.
How the program is built
- Class rated. Each class carries its own rate, hazard grade and any class endorsements, such as the professional services exclusion on an architect's CGL.
- Regional. Rates differ for Atlantic Canada, Ontario, the Prairies and the Pacific.
- Revenue or payroll basis. Most classes rate on revenue. Some professional and contractor classes rate on payroll.
- Manual work included. The program can write businesses that perform installation, repair and other manual work, not only office risks.
Online with E&O, underwriter for the rest
For professional firms, CGL can be added to an E&O quote at quote.approvedcasualty.com, so the client gets one price for both lines. Contractor classes rated on payroll, higher-hazard classes and some specific classes refer to an underwriter, and a few classes sit outside the program. A referral means a person reads the file and comes back with terms or questions.
Who we write
| Group | Examples | Route |
|---|---|---|
| Professional firms | Architects, engineers, accountants, consultants, real estate, IT | Online with E&O |
| Service businesses | Business services and office-based firms | Underwriter or online with E&O |
| Contractors and trades | Electrical, plumbing, HVAC, masonry, carpentry, drywall, painting | Underwriter. See specialty contractors liability. |
Build the rest of the account
The same submission can carry legal expense, D&O and, for builders, builders risk or course of construction. Contractors that need bonds can send the request to the surety desk.
