About LiabilityGap

Most Canadians carry $1 million in liability coverage and have never once been asked whether that's enough. Meanwhile, Canadian courts routinely award more than that — sometimes many times more — against ordinary households.

LiabilityGap exists to cover that blind spot. We publish plain-English, source-cited explanations of what liability lawsuits actually cost in Canada, what home and auto policies actually pay, and how umbrella (excess liability) coverage closes the difference.

What we are — and aren't

We are an independent publisher and referral service. LiabilityGap is not an insurance broker or insurer. We connect you with licensed Canadian brokers. Estimates on this site are educational, not quotes. When you ask to be connected with a broker, we introduce you to a licensed insurance broker in your province, and that brokerage may pay us a referral fee. That fee never changes your premium, and no insurer or brokerage has any say in what we publish.

How we make money

Two ways: brokers pay us for introductions to people who asked to be introduced, and some pages show display ads served by Google AdSense. Advertisers have no say in what we publish or recommend, we don't sell your data to marketing lists, and we don't accept payment for coverage recommendations. Read our editorial policy for how content decisions are made.

Who runs LiabilityGap

LiabilityGap was founded by Jared J. and is operated by Magnitude Marketing & Design; the mailing address is on our contact page. Jared J. is not a licensed insurance broker or a lawyer, which is why our guides cite primary sources (statutes, court decisions and insurers' own documents) instead of personal opinion. Press inquiries: [email protected].