Personal Lines Basics Part Two
In this course liability risks and coverages are reviewed. Both Home and Auto coverages are discussed along with a much needed Umbrella coverage review.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Automobile Section A & B
Understand Third Party Liability and Accident Benefits in Canadian auto insurance, including legal liability, defence costs, exclusions, injury benefits, limits, and DCPD.
Homeowner 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
Personal liability losses can extend well beyond the automobile or the home, making it essential for brokers to understand how these coverages work together. This course examines Personal Auto Third Party Liability and Accident Benefits, Homeowners Section II Liability, and Personal Umbrella Liability to provide a comprehensive approach to protecting clients against catastrophic financial loss. You'll learn how Third Party Liability responds when the insured is legally responsible for bodily injury or property damage, while Accident Benefits provide no-fault protection for injuries sustained by the insured and passengers. The course also explores homeowners legal liability, voluntary payment coverages, residence employee benefits, premises liability, and common limitations involving watercraft and motorized vehicles. Finally, you'll examine how Personal Umbrella Liability extends protection above underlying home and auto policies, providing additional limits when severe claims exhaust primary coverage. By the end of this course, you'll be better equipped to identify personal liability exposures, recommend appropriate liability limits, coordinate home and auto protection, and advise clients on the value of umbrella coverage for safeguarding their assets against major claims.
Meet 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.