About

Premium Plainly is an independent information site for owners and managers of small and medium-sized businesses in Canada who are buying or renewing business liability insurance. It explains how commercial general liability, professional liability and related coverages work, what drives the premium, how to compare quotes like for like, and how the rules differ between provinces, including Quebec.

We do not sell insurance, do not act as a broker or agent, and do not rank insurers. Prices in our guides and tools are illustrative examples chosen to show the arithmetic; they are not quotes or market rates. Rules are described as we understand them in October 2026, with links to the regulators and official bodies where you can confirm them.

The site does not cover personal insurance, life and health insurance, or detailed legal advice on a specific claim. Insurance decisions depend on your contracts, operations and policy wording, so for a significant decision or a disputed claim speak to a licensed broker and, where needed, a lawyer.

How this site is made

Premium Plainly is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.