Terms of use

Last updated: July 29, 2026. By using LiabilityGap.ca you agree to these terms.

Educational content only

LiabilityGap is not an insurance broker or insurer. We connect you with licensed Canadian brokers. Estimates on this site are educational, not quotes. Nothing on this site is insurance, legal, or financial advice. Risk scores, judgment ranges, and premium figures are educational estimates based on public sources and typical market pricing; your situation will differ. Always confirm coverage details with a licensed broker or your insurer before making decisions.

No client relationship

Using this site, the quiz, or the calculator does not create an insurance, brokerage, advisory, or fiduciary relationship. If we introduce you to a broker, your relationship is with that licensed brokerage, which is solely responsible for the advice and products it provides.

Accuracy

We work hard to keep content accurate and current (see our editorial policy), but we make no warranty that any content is error-free or up to date, and we are not liable for decisions made in reliance on it.

Intellectual property

Content on this site is © LiabilityGap.ca. You may quote brief excerpts with attribution and a link; republishing full articles requires written permission.

Governing law

These terms are governed by the laws of the Province of British Columbia and the federal laws of Canada.