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PROGRAM
OVERVIEW COMMERCIAL
INSURANCE GROUP HOME AND
AUTO INSURANCE COMMERCIAL INSURANCE APPLICATION

COMMERCIAL GENERAL LIABILITY AND PROFESSIONAL LIABILITY (ERRORS & OMISSIONS)

Our program includes Commercial Insurance designed to provide protection for those exposures specific to your services as a Certified Trainer and/or Management Consultant.

With our program, you can choose the coverage options and liability limits best suited to your situation: 

• Purchase Professional Liability on its own or purchase it in conjunction with Commercial General Liability
• Choose between a $1,000,000 or $2,000,000 liability limit
• Opt to extend liability coverage to Professional Employees
• Opt to extend liability coverage to include Management Consulting including Organization
• Development and/or Strategic Planning offered in conjunction with training programs

Commercial General Liability: Commercial General Liability (CGL) provides coverage for your legal costs, as well as any judgment against you for property damage or bodily injury caused to others if you are found negligent.  A CGL policy also includes the following liability coverages:

Tenant’s Legal Liability: covers you against claims of damage due to fire or other covered losses caused by you to premises that you rent.  This coverage does not extend to contents or stock.

Personal and Advertising Liability: covers you for certain unintentional offenses you commit in the course of your business, such as libel, slander, disparagement, or copyright infringement in your advertisements. 

Medical Payments: provides payment for a third party’s minor medical expenses from an accident that occurs as a result of your operations—even though you may never be held legally liable for the accident. It is often used as a way to avoid a costly lawsuit.

Professional Liability (Errors & Omissions):

Professional Liability, also known as Errors & Omissions Liability, acts as a complement to your General Liability policy, providing coverage for the economical consequences of rendering or failing to render your services as Certified Trainer and/or Management Consultant.

In the event of a claim (and within the dollar limit of your policy), your insurer is obligated to do the following:

• Defend against any claim brought before a Canadian court that falls within the coverage parameters of the policy, even if the suit is unfounded
• Pay all expenses incurred in any investigation, defence, arbitration, or litigation of covered claim
• Pay all sums that the insured member becomes legally obligated to pay as compensatory damages

As a CSTD member, you also have access to discounted Group Home & Auto insurance rates, along with many program features not available outside of a group program. To find out how much you can save on your Home & Auto insurance premiums, click here.

This information is not intended to be a complete statement of the CSTD Member Insurance Program, but simply a general overview. Please refer to policy wordings for exact terms and conditions.