Don't I already have liability on my home policy?

You do, but typically $1–2M. If your assets or risk exceed that, an umbrella policy adds protection on top — often for a modest premium.

What is an umbrella policy?

It's extra liability coverage that sits above your home and auto limits, covering large claims that would otherwise exceed them.

Who needs higher liability limits?

Homeowners with pools, dogs, rental units, significant assets, or board roles are all good candidates. We'll assess your exposure.

Liability Insurance

Extra protection when you're held responsible — at home and beyond.

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Personal liability coverage protects you if you're held legally responsible for injuring someone or damaging their property. It's built into most home policies, but the standard limit may not be enough — an umbrella liability policy extends your protection well beyond it.

We help Ontario families set liability limits that actually match their risk, from dog ownership to pools to serving on a board.

What's covered

Legal defence costs if you're sued
Bodily injury and property damage you're liable for
Coverage that follows you away from home
Umbrella limits above your home and auto policies
Protection for volunteer and board positions

Good to know

Frequently asked questions

Don't I already have liability on my home policy?: You do, but typically $1–2M. If your assets or risk exceed that, an umbrella policy adds protection on top — often for a modest premium.
What is an umbrella policy?: It's extra liability coverage that sits above your home and auto limits, covering large claims that would otherwise exceed them.
Who needs higher liability limits?: Homeowners with pools, dogs, rental units, significant assets, or board roles are all good candidates. We'll assess your exposure.

Insurer partners

Insurers we compare for liability insurance

We shop these partners to find the right coverage and price for you.

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