Homeowners Liability Coverages
This course will review Liability Basics, Section II coverages on Homeowners insurance and the importance of Umbrella coverages.
One Hour CE Approved
British Columbia Alberta Saskatchewan Manitoba
Liability Basics
Learn liability basics for Canadian P&C brokers, including tort law, negligence, duty of care, occupiers' liability, vicarious liability, and how court decisions shape defence obligations.
Section II Liability Coverages
Review Section II homeowners liability coverages, including personal liability, voluntary medical and property payments, residence employees, insured premises, and watercraft and vehicle limitations.
Umbrella Liability
Review umbrella liability coverage, including excess limits, drop-down protection, retained limits, underlying insurance requirements, primary policy maintenance, exclusions, and broker review priorities.
About the Course
Liability claims can arise from everyday activities, but understanding when legal responsibility exists—and how insurance responds—is essential for every personal lines broker. This course provides a practical foundation in liability law before examining how homeowners liability coverage and umbrella insurance work together to protect clients against significant financial loss. Participants will explore the legal principles of negligence, including duty of care, breach, causation, foreseeability, occupiers' liability, and vicarious liability. The course then examines Section II of the homeowners policy, distinguishing legal liability from voluntary payment coverages while reviewing defence costs, residence employee benefits, premises definitions, and important limitations involving watercraft and motorized vehicles. Finally, participants will learn how umbrella liability policies provide higher limits, respond when underlying coverage is exhausted, and, in some cases, offer drop-down protection for otherwise uninsured claims, subject to retained limits and policy wording. Designed for Canadian P&C brokers, this course strengthens the ability to recognize liability exposures, explain policy provisions clearly, identify coverage gaps, and recommend appropriate liability limits and umbrella protection to help clients safeguard their personal assets.
About Your Instructor
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.