Incident involving your liability: What to do?

Maybe a delivery person fell down your stairs and broke a leg, or your youngest son broke a neighbour's window while playing ball. Don't worry—the liability portion of your home insurance is designed to protect you when this kind of event happens. We're here to guide you through the claims process.

After the incident

• Exchange contact information with the person who suffered damage or injury
• Call the police if necessary
• Don't try to settle the matter directly with the other party
• Don't admit liability
• Take photos of the premises where the incident took place and of the damage

To open your claim, fill out the online form.

File a claim

Your claim will be assigned to one of our claims advisors

Your claims advisor has the training and knowledge required to handle your claim and advise you throughout the process.

Your claims advisor will:
Contact the different parties to analyze the claim:

• People who were injured or incurred the damage
• Any witnesses to the incident
• The police, if they were involved
• The opposing party's claims advisor

Ask you to send in the relevant documents:

• Photographs
• The formal notice you received, where applicable
• Estimate, invoice or any other supporting documents relating to the damages or injuries

Perform a complete analysis of the claim based on the information received

Liability is determined based on the circumstances of the incident.

The circumstances are generally found in:

• the police report, if any (it may take a few weeks to get the police report)
• the statements of all the parties involved and any witnesses

Please note that liability can rarely be determined when you first call the claims department, as the circumstances of the incident have to be analyzed.

If you are liable for the damage or injury

The claims advisor will attempt to settle your claim with the insurance representative of the injured party.

Once your claim is settled, your claims advisor will obtain a release from the injured party to protect you from any further claims.

If the settlement is not accepted, legal action could be brought against you. In this case, your policy may provide for a defense and legal counsel to defend you, provided the coverage applies.

We close the claim when the injured party has signed and returned the release and all the payments have been made.

We hope that your claim will be settled to your satisfaction.