Compare up to three liability quotes by annual premium, deductible and per-occurrence limit against a claim you choose.
Use this tool when you have two or three commercial general liability (CGL) or professional liability quotes for the same business description, revenue, operations and coverage parts. Enter each annual premium as the full amount you would pay over the policy year, including any provincial sales tax on the premium and any policy or broker fee. Enter the deductible that would apply to the claim you are testing: many CGL policies apply a deductible only to property damage claims, while professional liability deductibles often apply to defence costs as well.
How it works. For each quote the tool calculates: covered amount = min(claim - deductible, limit), and your share = claim - covered amount. It adds your share to the premium and sorts the quotes from lowest total to highest.
Worked example (illustrative). A customer's property is damaged and the settlement is $60,000. Quote A costs $1,450 + $1,000 = $2,450; quote B costs $1,690 + $1,000 = $2,690; quote C costs $1,540 + $2,500 = $4,040. Now test a $1,600,000 judgment: quote A pays only its $1,000,000 limit, leaving you $600,000 to find, while B and C cover it apart from the deductible. Run both a typical claim and a severe one before you decide.
Limits. The tool assumes one claim inside the policy period and ignores the aggregate limit, which caps all claims in the year combined. It treats defence costs as outside the limit, which is usual for CGL in common-law provinces and required for liability insurance in Quebec under the Civil Code, but many professional liability policies elsewhere pay defence costs from the limit. It does not read exclusions or endorsements, and a claim will also affect your future premiums. All defaults are illustrative, not real quotes.
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