The average cost of basic commercial general liability insurance for a small business in Canada typically ranges between 400 and 900 dollars annually for low-risk operations like consultants or online retailers. However, when businesses add comprehensive multi-peril packages—incorporating commercial property, business interruption, professional indemnity, and cyber protection—total annual premiums commonly scale between 1,000 and 4,000 dollars. High-risk industries such as commercial construction, hospitality, and manufacturing face considerably higher costs due to increased asset protection and liability exposure.
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