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Liability Insurance

Liability insurance is important for individuals, business owners and vehicle owners. If someone seeks compensation for a perceived wrongdoing or alleged act of negligence caused by you or your business, liability insurance coverage can help protect you.

In simple terms, it is financial protection if someone tries to sue you.

There are two key things to remember – liability insurance provides a legal defense for you and pays third party damages if you are found to be legally liable.

What types of liability insurance quotes are available?

There are many different types of liability insurance policies. A few of the main policies for liability insurance in BC are

  • Personal Liability insurance
  • Commercial General Liability Insurance,;
  • Public Automobile Liability
  • Non-Owned Automobile Liability Insurance
  • Professional Liability;
  • Errors and Omissions Liability;
  • Directors and Officers;
  • Employment Practices Liability Insurance;
  • Environmental and Pollution Liability Insurance
  • Cyber (Privacy, Media, Web Content) Liability


Commercial General Liability Insurance in BC

Commercial General Liability insurance (CGL) is necessary as soon as a company opens its doors, or even before their first customer arrives to avoid exposure to loss or liability risk.  There are liability risks for owners of commercial businesses, ownership of commercial buildings and also non-profit organizations.

A CGL policy covers liability exposures related to a policy holder’s premises, operations and completed operations. Claims may arise as a result of alleged injury or damage to persons or property (Bodily Injury, Personal Injury and Property Damage).    

Ask your Westland Insurance broker about how you can protect your company with a CGL policy. 

Professional Liability Insurance

Professional Liability insurance, also known as E&O Insurance or Errors and Omissions Insurance, addresses third party risk exposures for alleged error in rendering professional services or failure to provide professional services. Professionals providing services who are at risk can include health care practitioners, lawyers, accountants, engineers, architects, educators, consultants or specialists.

If, during the course of doing business, a client alleges there was a failure to provide proper professional services, that client could claim they suffered a form of economic damage and wants to be compensated. This could range from a bad haircut, to structural engineering issues or medical malpractice. Even if a claim is be completely groundless, there could be a significant cost to defend the claim. If you don’t have appropriate insurance, the legal costs would come out of your own pocket.

Personal Liability Insurance

Personal Liability Insurance is for situations that result in unintentional bodily injury or property damage to others arising out of your personal actions. Although the damage is purely unintentional, the injured person may seek compensation to cover things like lost wages or property replacement. Personal Liability is typically sold with Home Insurance policies.


Additional BC Liability Insurance Quotes Available:

Directors and Officers Liability Insurance (D&O Liability Insurance): Liability protection for Directors, Officers and Executives.  Learn more

Product Liability: Businesses who sell manufactured or assembled products will want to add this specific coverage to their general business liability insurance package.

Abuse and Harassment: Organizations who provide educational services or support or care for vulnerable persons or work with youth or others may face risks associated with allegations of sexual, physical, emotional, or psychological abuse, molestation or harassment.  Abuse Liability insurance coverage is available to transfer such risks.

Request Liability Insurance Quote

Westland Insurance can assist organizations and persons with reviewing their liability risk exposures and finding the right liability insurance products to meet their specific needs.  

For more information about liability insurance, contact our general business liability insurance brokers toll free at 1-800-899-3093 or visit one of our Westland Insurance locations in BC.

Save time by requesting a business liability insurance quote online with our business insurance quote request form.


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BC Business Insurance

Liability Insurance Frequently Asked Questions

Westland Insurance Group Ltd
BC Insurance locations include...
Vancouver, Victoria, Richmond, North Vancouver, Burnaby, New Westminster,
Langley, Ladner, Surrey, Sechelt, Squamish, Abbotsford, Mission, Maple Ridge
Gibsons, Kelowna, Vernon, Whistler, White Rock, Tsawwassen