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Q: Why is liability coverage so important?

A: Liability insurance protects you from having to pay damages to people if you have been found responsible for unintentionally injuring them or their property. For example, if someone slipped on your kitchen floor and broke their leg, you would need liability insurance to protect you in case that person sued you and the courts ruled it was your fault.

Other related Questions:

Q: Am I entitled to a discount if I have a security system installed?

Q: Am I entitled to a discount if I have more than one property insured with your company?

Q: Are contents away from my home covered?

Q: Does my family also benefit from special rates because Iím a member of a professional association?

Q: Does the fact that Iíve never had a home or property insurance policy before affect my insurance rates?

Q: Do I have to insure both my car and my home with your company in order to have discounts?

Q: Do you offer a form of Guaranteed Replacement Cost, and what is it exactly?

Q: Do you offer a new-home discount? How new would the house have to be in order to qualify?

Q: Do you offer group rates?

Q: I am a member of a professional association. Should I mention this?

Q: I bought a summer residence. Do I have to take out a second-home policy, or can I modify the one I actually have to insure both my properties?

Q: If my condominium corporation insurance is insufficient, can I take out more coverage with your company?

Q: I have another policy with TD Insurance Meloche Monnex. Am I entitled to a discount?

Q: I have a precious collection (paintings, jewels, furs, etc.). Is there special coverage I can have in addition to the regular coverage?

Q: I have made some improvements to my apartment. Should there be a change to my policy?

Q: I havenít had any claims for many years. Am I entitled to a discount?

Q: Iím a condominium-unit owner, and would like to know what assessment coverage is.

Q: Is it possible to be insured against animal theft?

Q: Is there a limit to the number of discounts I am eligible to receive?

Q: Is there any kind of protection against increasing rates?

Q: I was a member of a professional association but I am not part of it anymore. Am I still entitled to a discount?

Q: My spouse was a member of a professional association. As a widow, am I still entitled to a discount?

Q: Should I mention my employer's name?

Q: What are your business hours?

Q: What does it mean, and how does it affect my rates if Iíve been refused or cancelled for insurance in the past?

Q: What does Replacement Cost coverage mean?

Q: What does the word spouse mean?

Q: What happens if I leave my employer or professional association?

Q: What is the definition of Named-Perils coverage?

Q: What kind of discount can I have if I insure both my vehicle and home with your company?

Q: While moving into an apartment, we accidentally dropped the computer. Is there special coverage for that? Am I covered?

Q: Will my information be kept confidential?