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Save up to 30% on your insurance

Two ways to get a quote…

Call

Mon-Fri
8:30am-4:30pm

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Online Quote

All it takes is a
few mins

Homepage2023-04-20T16:27:57-02:30

We do the shopping. You get the savings.

Customers love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:

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For all that you do.

Munn provides more choice and savings for all your insurance needs.

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Switch to Munn

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Real people.

Our customers love to save.

I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.

Kay, St. John's

Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.

Diane, St. John's

I thought it would be difficult to switch from my current insurer – but my new policy was easy to set up! Plus I saved on my car and home insurance.

Peter, Halifax

Switching. Saving. Simple

We say switching is easy… and it’s true! In the past year, people have left these companies to come to Munn.

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People are switching to Munn for many reasons.

Fast claims processing, competitive rates, and responsive, respectful customer care.

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Customer Care

We have earned a reputation of always having your best interests at heart. That’s why we deliver truly exceptional service. The kind that makes you smile!

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Fast Local Claims Service

We will guide you through the claims process, helping to ensure a swift and fair settlement by the insurance company. Getting you right back to where you were.

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Choice and Convenience

Munn Insurance will shop the insurance markets to provide you with multiple quotes on your home or auto insurance and up to 20 on business insurance.

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Competitive Rates

As an independent insurance broker, we work for you. We act as your personal advisor; providing unbiased advice on your individual insurance needs.

Broker Advantage

Not all insurance polices are created equal. As your broker, we work for you. And we make sure that you have the best coverage available. We answer to you.

More Complete Coverage

We have access to many insurance markets. Most places only have one! So we shop around on your behalf and find you the best insurance at the best price.

A quote with real savings is just the beginning. You get our promise to provide the best protection and customer care for all that’s important to you.

Our Latest Advice

Understanding CGL Coverage and What Injuries Are Covered

Commercial General Liability (CGL) insurance is designed to help protect you and your business if you’re found legally liable for bodily injuries to a third party. Put simply, if someone gets injured on your business’ property and decides to sue you, your CGL insurance policy can help with legal costs and damages associated with the lawsuit.

CGL insurance provides essential coverage for bodily injury and property damage claims arising from your business operations. In Atlantic Canada, slip-and-fall injuries are among the most common claims under CGL insurance. These claims typically arise when a third party, such as a customer or visitor, sustains injuries due to a slippery or hazardous surface on the insured premises. CGL coverage helps protect businesses from the financial implications of such bodily injury claims, including medical expenses, legal fees, and potential settlements. It underscores the importance for businesses to prioritize premises safety measures to prevent accidents and reduce the risk of liability claims under their CGL policies.

Here are a few tips to help you minimize slip-and-fall injuries at your small business:

  1. Regular Maintenance: Conduct frequent inspections to identify and promptly address any hazards. Clean spills, and repair damaged or uneven surfaces and pathways. Remove your clutter as well.
  2. Weather Preparedness: Keep walkways clear of ice and snow, especially during winter.
  3. Slip-Resistant Flooring: Install slip-resistant surfaces, particularly in high-traffic areas. Also address uneven, unsecured mats.
  4. Warning Signs: Use visible warning signs in wet or freshly cleaned areas.
  5. Effective Lighting: Ensure proper lighting to enhance visibility for customers and employees.
  6. Staff Training: Train staff to quickly respond to spills and report potential hazards.
  7. Maintain a log of items that were inspected and fixed if necessary.

Let’s delve into what types of injuries are covered under a CGL policy.

  • Bodily Injuries on Premises: CGL policies typically cover bodily injuries sustained by third parties on your business premises. This includes customers, clients, or visitors who may slip, trip, or fall on your property.
  • Products Liability: If your business manufactures, sells, or distributes products, CGL insurance covers bodily injuries caused by defects or hazards associated with your products.
  • Completed Operations: CGL coverage extends to bodily injuries resulting from completed operations or services. If a client is injured due to a service you provided, the policy can provide protection.
  • Advertising and Personal Injury: CGL policies often cover non-physical injuries, such as libel, slander, or false advertising claims. This ensures your business is protected against certain reputational and personal injury risks.
  • Medical Payments: CGL policies may include coverage for medical expenses incurred by individuals who sustain injuries on your premises, regardless of fault. This can help expedite compensation and prevent legal action.
  • Employee Injuries: While workers’ compensation generally covers employee injuries, CGL insurance may offer some protection in certain cases, especially if a third party is involved.

It’s important to note that the specific coverage details can vary based on policy terms and endorsements. Munn Insurance emphasizes the importance of customizing your CGL policy to suit your business needs. Working with experienced insurance professionals ensures that your coverage aligns with the unique risks of your business in Atlantic Canada.

Being prepared and proactive should be part of your plan, but sometimes accidents happen. If you do have a third-party bodily injury at your business, it’s important to have best practices in place on what to do. A good starting place is an incident report. Have a form at the ready for all those involved to fill out. This will help you record key details that you can reference when you report the incident back to your insurance provider. It’s very important to contact your insurance provider as soon as possible following an accident. They can walk you through the claims process and provide insight on important details, such as reducing your exposure to liability.

In conclusion, a well-tailored CGL policy available through Munn Insurance provides vital protection against a range of bodily injury claims. Whether on your premises, through completed operations, or related to your products and advertising, having comprehensive CGL coverage is essential for the overall risk management strategy of your business.

We have extensive experiencing insuring all types of businesses, from small one person operations to much more complex enterprises. We can help make sure you get the right coverage at the best price. If you have any questions, call the insurance experts at Munn Insurance at 1-855-726-8627. We’d be happy to help.

February 22, 2024|Categories: Commercial Insurance|

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