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Personal Liability

How confident are you in your clients’ Personal Liability insurance? Many basic coverages do not offer the specialized protection they need to cover their assets.

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Comprehensive Personal Liability

Generally, a comprehensive homeowners policy includes coverage for the home, content and liability exposures. However, there are times when a homeowner’s liability exposures become too great compared to the standard market appetite. This may occur due to the type of property owned, if the homeowner has incurred losses previously, or if other exposures make it difficult to secure liability coverage as part of their homeowners package.

Burns & Wilcox can provide access to Comprehensive Personal Liability (CPL) Coverage; a standalone liability coverage for a variety of risks. Sold in conjunction with a comprehensive homeowners policy, CPL provides coverage for personal liability exposures.

Personal Umbrella

There are 22.7 million social network users in Canada, and in 2022 that number is projected to reach 24.1 million. As social media continues to grow across all age groups, protection against libel and slander is becoming more of a necessity. A Personal Umbrella policy can cover this exposure as well as liability claims stemming from physical injuries.

Every year, motor vehicle collisions in Canada cause 164,668 injuries while ATV and snowmobile-related accidents result in 20,671 emergency room visits. If your clients are found negligent, injuries like these can easily exhaust the liability limits of standard auto and homeowners policies. In fact, unintentional injuries in Canada result in $15.9 billion in direct health care costs each year.

Burns & Wilcox can provide access to Personal Umbrella Coverage that can supplement your clients’ current policies to limit their exposure to crippling financial losses in the event of a liability claim or lawsuit.

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.

Personal Liability: Applications

Please choose the application that best fits your needs.

If you need additional assistance please contact your local office.

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