Protect Your Business with Reliable Commercial Liability Insurance

Safeguard Your Business from Liability Risks

Every business faces potential risks that could result in legal and financial challenges.

Our commercial liability insurance provides essential protection against third-party bodily injury and property damage claims arising from your business operations.

Make sure your business is prepared for the unexpected – Contact us today to get a free quote and find the right commercial liability insurance for your Edmonton business.

Understanding Commercial Liability Insurance

Liability exposures vary depending on your industry and business activities.

Our comprehensive policies ensure you are protected against various risks, giving you peace of mind while running your business.

Types of Commercial Liability Coverage

COMMERCIAL GENERAL LIABILITY (CGL) & COMPLETED OPERATIONS

This policy provides coverage for damages you become legally obligated to pay during and after the completion of a project. It applies to a wide range of business operations, protecting against property damage and bodily injury claims.

However, certain exclusions apply, which are covered under specialized liability policies.

PROFESSIONAL LIABILITY / ERRORS & OMISSIONS (E&O) LIABILITY

Professionals such as doctors, lawyers, engineers, and accountants require specialized insurance to cover claims of negligence or errors in their work.

If a mistake leads to financial loss or injury to a third party, this coverage ensures protection against legal claims and damages.

DIRECTORS & OFFICERS (D&O) LIABILITY

Company leaders can face lawsuits due to decisions they make while managing a business. D&O insurance provides financial protection for directors and officers if they are personally sued for alleged wrongful acts, mismanagement, or breaches of duty.

POLLUTION / ENVIRONMENTAL LIABILITY

Environmental hazards can lead to significant financial and reputational damage. This coverage responds to claims arising from pollution incidents, hazardous material exposure, and environmental contamination.

Request your personalized, obligation-free quote today!

Real-World Claims Examples

Commercial General Liability: Completed Operations – Contractor

A roofing contractor completes a project at a bank. Six months later, melting snow enters through the roof, damaging multiple network servers. The contractor is held responsible for the loss.

General Liability – Contractor

A metalworker installs a railing but fails to block off an unfinished staircase at the end of the workday.

The next morning, another contractor falls through the open space, sustaining injuries. The business is legally liable for medical costs and damages.

Is Your Insurance Program Really Doing Its Job?

What our Insurance Review uncovers — and why it matters.

If you’re like most business owners, insurance is one of those things you have but rarely feel confident about. Policies pile up. Premiums go up. And when questions come up, the answers are… underwhelming.

At Thor Insurance & Financial, we work with manufacturers, machine shops, and millworks across Alberta. We don’t start by quoting — we start by reviewing. Our Insurance Review is how we help business owners like you take back control.What our Insurance Review uncovers — and why it matters.

Here’s how it works:

You send us your current policies

That’s it. No meetings, no pressure. We do the heavy lifting.

We rank issues by impact

1. Business-Killers – gaps that could shut your doors
2. Cash-Flow Disruptors – coverage shortfalls that could slow your recovery
3. Housekeeping – errors and missed details that shouldn’t be overlooked

We recommend solutions

Not generic fixes — tailored adjustments backed by technical expertise in:

• Business Interruption
• Cyber & Breach
• Property & Equipment Valuation
• Directors & Officers Liability

We invest in your success

We put up to 40% of our first-year earnings back into your risk control — like equipment or commercial building appraisals, Business Interruption consulting, or cyber hardening with vetted pros.

So what happens next?

If our review shows that your current setup isn’t built to withstand a major loss, we’ll invite you to work with us. That means having a conversation about transitioning your policies so we can put our recommendations into action — and start working for you.

We don’t badmouth your current broker. We simply let the gaps speak for themselves.

Our job is to help you protect what you’ve built — properly.

If you’re ready to understand where you stand and what can be improved, let’s start with a review. No pressure. No obligation. Just clarity.

A few weeks before renewal simply isn’t enough time for the depth of work we do. Our process starts when your documents are in hand. The earlier we begin, the more thorough and strategic the review — without the pressure of a looming deadline.

Our Audit Process ensures tailored, optimized insurance solutions for each individual customer. Click below to see how it works:

Get a Free Quote Today!

Don’t leave your business vulnerable to risks. Contact us today to get a free quote and find the right commercial property insurance for your Edmonton business.

Our experts are ready to help you secure the protection you need.