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Umbrella / Excess Liability
Extra protection above all your other policies
⚠️ No active Umbrella / Excess Liability policy found in your records
💬 What is it?
If you're sued for more than what your home or auto insurance covers, umbrella insurance picks up the rest — up to $1–5 million more. It's like a safety net that sits above all your other policies and costs very little for the protection it gives.
🇨🇦 Why do Canadians need it?
Lawsuits can easily exceed $1,000,000. Umbrella insurance costs $200–$400/year for $1M in extra coverage — often less than a dinner out per month.
Coverage Details
💰 Typical Cost
$200–$400/year for $1,000,000 in additional coverage
🛡️ Coverage Range
$1,000,000–$5,000,000 above underlying policy limits
Available Types
Personal UmbrellaCommercial Umbrella / Excess Liability
Key Factors to Compare When Shopping
- ✓ Minimum underlying policy limits required (usually $300K home, $500K auto)
- ✓ Dropped exclusions vs. following form
- ✓ Worldwide coverage
- ✓ Coordination with home and auto policies
Top Canadian Providers
Intact Insurance
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Desjardins