Additional personal liability protection
Personal umbrella insurance can provide an additional layer of liability coverage above underlying policies, subject to its terms. The original site describes options up to $5 million; available limits and required underlying insurance must be confirmed.
Liability coverage may help with covered legal defence costs, settlements or court awards when you are legally responsible for injury to another person or damage to their property. Some umbrella policies may also address personal-injury exposures such as libel or slander that are not included in a standard home policy.
Decide whether extra coverage would help
- Review the liability limits already provided by your home and auto policies.
- Identify exclusions in those policies and ask whether an umbrella policy can address exposures such as libel, slander or other uninsured situations.
- Discuss frequent travel and potential claims outside Canada, which may be more expensive or complex to resolve. Confirm the territory covered by the policy.
Important coverage information
This information is a general reference only. Coverage availability, eligibility, limits, deductibles, exclusions and claims are governed by the insurer's policy wording and any applicable endorsements. Ask your broker to confirm the terms for your situation.
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