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Personal Liability Insurance Products

Compare 31 products offered for Personal Liability Insurance from 15 companies including U-SURE Insurance Services Ltd, Touchstone Underwriting Ltd, and Towergate Insurance.

Our Personal Liability Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading insurance providers. If you have questions, take a look at our Frequently Asked Questions.

Compare Personal Liability Insurance Policies

Products 21 to 30 of 31
Product name Max Coverage Min Premium Exclusions
Horse and Rider by Islands Insurance Max Coverage GBP3M Min Premium N/A


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Travel by Islands Insurance Max Coverage GBP5M Min Premium N/A
  • acts of terrorism
  • pollution and contamination
  • preexisting damage
  • professional sports
  • travel in Crimea, Cuba, North Korea, Sudan, Syria or countries where the Foreign Office has warned against all but essential travel


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Annual Trip by AmTrust Underwriting Ltd Max Coverage N/A Min Premium N/A
  • acquired immune deficiency syndrome (AIDS), AIDS related complex (ARC), or human immunodeficiency virus (HIV)
  • any insured person who is aged 75 or over, 65 or over for winter sports
  • intentional injuries
  • mountaineering or rock climbing
  • operational duties as a member of the armed forces
  • psychiatric, mental or nervous disorder (including anxiety and / or depression)
  • riding or driving in any kind of race
  • sports tours
  • suicide
  • winter sports (unless cover is noted on the policy)


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Group Business Travel by AmTrust Underwriting Ltd Max Coverage N/A Min Premium N/A
  • acquired immune deficiency syndrome (AIDS), AIDS related complex (ARC), or human immunodeficiency virus (HIV)
  • claim by any insured who has attained the age of 75 years
  • mountaineering / rock climbing
  • operational duties as a member of the armed forces
  • psychiatric, mental or nervous disorder (including anxiety and / or depression)
  • riding or driving in any kind of race
  • self-inflicted injuries
  • sports tours
  • suicide


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Home by Covéa Insurance Max Coverage GBP10M Min Premium N/A
  • loss or damage to mirrors, glass in furniture or free standing ceramic hobs, audio, visual and computer equipment while your home is unoccupied or unfurnished
  • specific types of loss or damage (see specific policy wording)
  • vacant or unoccupied risks


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Profile by Covéa Insurance Max Coverage GBP10M Min Premium N/A
  • loss or damage to mirrors, glass in furniture or free standing ceramic hobs, audio, visual and computer equipment while your home is unoccupied or unfurnished


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Light Refurbishment - Unoccupied by U-SURE Insurance Services Ltd Max Coverage GBP5M Min Premium N/A


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Unoccupied Property by U-SURE Insurance Services Ltd Max Coverage GBP5M Min Premium N/A


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Short-Term Policies by U-SURE Insurance Services Ltd Max Coverage GBP5M Min Premium N/A


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Refurbishment Risks - Structural Alteration by U-SURE Insurance Services Ltd Max Coverage GBP5M Min Premium N/A


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Frequently Asked Questions

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What Is Personal Liability Insurance?

Personal Liability is coverage provided for individuals and homeowners in case of an accident or damage to a third party on their premises. Personal Liability insurance can cover compensation claims if someone sues you as a result of an injury they sustained on your premises or if a piece of their property was damaged. For example, if a guest suffered an injury while visiting your home – say they slipped on a loose step – and decided to sue you, Personal Liability would cover the costs incurred.

Who Needs Personal Liability Insurance?

Any homeowner or renter that doesn’t have an extensive umbrella or homeowner’s insurance policy would benefit from a specialty Personal liability product. As many basic umbrella or homeowner’s insurance policies can be limited in terms of the range of coverage limits offered, a Personal Liability insurance package will cover all extents of damage.

What Does Personal Liability Cover?

Homeowners are legally liable for any accidents that occur on their property. Personal Liability insurance provides financial protection for any of the following:

  • lawsuits if they are sued for an accident or damage caused on their property
  • bodily injury to a third party (including any medical fells)
  • property damage due to an incident on their premises (including any replacement or repair costs)
  • compensation costs if damages are to be paid to the claimant

What Is Not Covered By Personal Liability Insurance?

While Personal Liability covers most claims against homeowners and renters, there are several types of claim that are generally excluded from moat Personal Liability products:
  • automobile accidents
  • bodily injury or property damage caused intentionally
  • bodily injury or property damage of the policy owner or their family members
  • businesslike activities or claims associated with a home business

As each Personal Liability insurance product is different, it is important to check to see what is and isn’t covered in order to avoid costly disappointments.

What Additional Cover Is There With Personal Liability Insurance?

Personal Liability can also be bought alongside or as part of other coverage areas including:
  • home insurance
  • umbrella/excess insurance
  • business insurance

If Personal Liability does not cover enough essential needs or the limits are not inclusive enough then an additional policy or extension may be the solution.

How Much Does Personal Liability Insurance Cost?

The cost of personal liability can be tricky to estimate: Personal worth has to be examined as well as future income and the risk areas within the property. Not to mention figuring out the cost of potential damages resulting in medical bills, repairs and legal fees, which will all need to be calculated around the individual and their home. That said, as lawsuits are very common in today’s litigious society you cannot have enough coverage if you are sued.