Commercial General Liability

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CGL for Existing Policyholders

Victor’s Commercial General Liability (CGL) insurance for existing policyholders provides protection against a range of potential claims that may result from bodily injury, property damage, personal injury or advertising injury.


This coverage is available to most classes of ENCON’s policyholders, as a complement to their existing coverage, including:

  • Professional liability or errors and omissions (E&O) insurance
  • Non-profit directors and officers (D&O) liability insurance (where there is low to moderate CGL risk)
  • Technology insurance for hardware manufacturers

Coverage Details

  • Policy Form – Occurrence (claims-made for some classes)
  • Policy Period – Concurrent with that of the firm’s professional liability or E&O policy
  • Capacity –
    • Limits up to $25,000,000 with property damage deductibles starting at $500 (maximum limit available in Quebec is $20,000,000)
    • Limits up to $5,000,000 are available for policyholders in ENCON’s Small Firm Programs for Architects and Engineers, the Information Technology sector and ENCON’s CGL program
  • Annual minimum premiums – Starting at $495 for a $1,000,000 limit
  • Territory – Services anywhere in the world subject to suit first brought in Canada or the United States

Policy Features

  • Victor utilizes the same pool of insurers who provide the professional liability or E&O insurance coverage; this reduces the risk that a gap in coverage may occur if two policies are placed with different insurers

Additional Coverages Available

  • Non-owned automobile including S.E.F. 94, 96, 99
  • Employer’s liability (bodily injury)
  • Employee’s benefits errors and omissions
  • Tenants’ legal liability
  • Personal injury and advertising injury

Submission Requirements