Commercial General Liability (CGL) insurance for small businesses and independent contractors in Canada typically ranges from 400 to 1,500 dollars per year for a standard 2 million dollar coverage limit. The exact cost varies depending on your specific industry trade, gross annual revenues, geographic location, and claims history. Low-risk administrative consultants pay on the lower end of the spectrum, whereas active trade contractors—such as plumbers, electricians, and general contractors—face higher premiums due to greater exposure to job-site property damage and third-party injury risks.
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