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Do You Need Umbrella Liability Insurance?

What is Umbrella Liability Insurance? Do you need it? What are the benefits? There are many questions to take into account when weighing your coverage options. Umbrella Liability Insurance provides an extra layer of security that you should consider applying to your policy. Read below to learn about the importance of this invaluable coverage.

What is Umbrella Liability Insurance?

Umbrella insurance is a secondary type of liability insurance that covers your personal liability above and beyond the standard liability you have taken on your homeowner policy. Umbrella insurance gives you added liability protection for lawsuits and claims that rise against you that could put your personal assets at risk.

What does Umbrella Liability Insurance cover?

Umbrella insurance covers you when your base policy liability limit is not enough, protecting you above and beyond the limits on your existing personal insurance policies. Umbrella liability insurance can protect you from litigation arising from property damage, injury or associated legal defence costs if you get sued for damages to other people’s property or injuries.

Coverage examples:

  • You cause a serious auto or boating accident
  • Your dog bites or attacks someone
  • You drive your car into a building
  • You accidentally injure someone
  • You’re on a charity board of directors and are sued for a board-related issue


What does Umbrella Liability Insurance cover?

Umbrella Liability Insurance is something everyone should invest in; however, it is not necessarily a top priority. This coverage can be an invaluable investment that will protect you in the case of an accident if you engage in the following:

  • High-risk activities (Boating, snowmobiling, ATV riding, etc.)
  • Scenarios, where you need, enhanced liability insurance (Travelling abroad)
  • If you have a hazard on your property (Swimming Pool, Pond, etc.)


With TIM’s Umbrella Liability Insurance, give yourself peace of mind knowing that you’re covered against unpredictable lawsuits and liability claims. This invaluable policy is second to none and everyone should invest in this extra layer of security.

Contact us today to learn more about our Umbrella Liability Insurance.

To learn more about Umbrella Liability Insurance, visit The Insurance Bureau of Canada website.

Early closure on Friday December 8th at 12pm for our Team Christmas Party