Property Insurance

Overview

CHES Special Risk provides a full suite of liability solutions designed for Canadian SMEs, contractors, and middle‑market businesses. Our offerings support brokers placing small business insurance, small business liability insurance, and complex commercial risks, including professional liability insurance in Canada and directors and officers liability insurance Canada.

With fast responses, flexible underwriting, and national reach, we help you meet the liability requirements found in contracts, leases, vendor agreements, and industry standards across business insurance Ontario and all Canadian provinces.

Coverage Highlights

  • iconCommercial General Liability (CGL) for core third‑party exposures—ideal for brokers placing commercial general liability CGL insurance for contractors, retail, hospitality, manufacturing, and service businesses.
  • iconProducts & Completed Operations coverage tailored for manufacturers, contractors, and professional service firms.
  • iconTenants’ Legal Liability for leased commercial spaces across Canada.
  • iconExcess Liability to extend limits where contracts demand higher protection.
  • iconOptions to complement your placement with professional liability insurance, small business liability insurance, and directors and officers liability insurance Canada when needed.
property insurance

Why CHES Special Risk

01

In‑house binding authority

for efficient quoting and issuance across liability classes.

02

National underwriting network

supporting brokers from coast to coast.

03

Fast quote turnaround

backed by deep market access and flexible solutions for unique or emerging risks.

FAQ’s

Liability insurance for businesses in Canada protects against claims involving bodily injury, property damage, and legal costs arising from operations. It helps businesses manage financial risk and defend against lawsuits from third parties.

Commercial General Liability (CGL) insurance is a core business policy that covers third-party bodily injury, property damage, and legal expenses caused by business operations, products, or premises.

Liability insurance costs in Canada vary based on industry, revenue, payroll, risk exposure, claims history, and coverage limits. Higher-risk industries such as construction or manufacturing typically pay higher premiums.

Liability insurance covers third-party bodily injury, property damage, legal defence costs, settlements, and judgments. Coverage applies to claims arising from business operations, products, or services, depending on the policy type.

General liability insurance covers bodily injury and property damage to third parties, while Errors and Omissions (E&O) insurance covers financial losses caused by professional mistakes, negligence, or failure to deliver services properly.

Excess liability insurance provides additional coverage above the limits of a primary liability policy. It is used when businesses require higher limits due to contractual obligations or increased exposure to large claims.

Industries such as construction, retail, hospitality, manufacturing, and professional services commonly require liability insurance to protect against third-party claims and legal risks.

Brokers can obtain liability insurance quotes by submitting business details such as operations, revenue, payroll, coverage limits, and claims history. Accurate submissions help insurers assess risk and provide competitive terms.

Let CHES Special Risk help you place CGL, small business, professional liability, or excess liability with confidence.

Email our team to start your quote
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