But if it’s slipped your mind, here’s the gist of the campaign: you can be held liable for any slips or falls on your property.
Sometimes it does slip your mind to protect yourself from litigation. You get caught in traffic during an ice storm and you don’t have time to get home and salt your walkway.
While you’re away, a courier slips on your front steps and throws out their back. Then they sue you for lost wages and damages.
Yes, home insurance can cover slip-and-fall lawsuits
Slip-and-fall lawsuits are not uncommon and they’re about to get even more frequent.
Over 42,000 Canadians are injured in slip-and-fall accidents every year. Most of these accidents are caused by unsafe conditions. Among those who are injured, seniors account for more than half of hospitalizations.
The number of incidents resulting in legal action varies from year to year, but numbers could rise as a result of Ontario legislation — Bill 188, enacted January 2021 — that requires claimants to provide written notice within 60 days of an incident.
This extra pressure to act, coupled with step-by-step guides for filing lawsuits, gives anyone the details they need to hold you accountable.
Therefore it’s important to look for home insurance online that covers litigation.
Home insurance covers you against lawsuits arising from slip-and-fall injuries.
Liability coverage applies to more than lawsuits
While legal costs do take up a majority of an average liability claim, your coverage will kick in to handle any medical bills. Common situations where medical bills could become a factor include but are not limited to:
- Accidents that happen in or near a swimming pool
- Injuries resulting from the consumption of alcohol
- Animal attacks
Coverage also applies in situations that happen away from your property, such as a shingle blowing off your roof and it striking your neighbour in the head.