Changes to your Personal Umbrella coverage
Personal Umbrella coverage offers liability protection above and beyond your existing home, auto, watercraft and recreational vehicle policies. Liability insurance protects you if you’re found legally responsible for causing bodily injury or property damage.
As part of our commitment to our customers, we’re updating your Personal Umbrella coverage to better meet the needs of customers looking for additional liability protection. We have written this coverage as a separate policy.
What you need to do
Please review your new policy package. We have now written your Personal Umbrella cover as a separate policy with its own policy number. When your policy renews, your Personal Umbrella coverage will be automatically updated.
What you need to know
Here are the key updates that you’ll see on your Certificate of Insurance (COI) in your policy package:
| Aviva Customers (Non-Ovation®) | |
| Product Update | What's changing |
| Policy number | Your Personal Umbrella policy will have its own policy number. |
| Risks | Risks are items listed on your policy that are eligible for Personal Umbrella coverage, including private automobiles, watercrafts, recreational vehicles, and properties within Canada. Your Personal Umbrella policy will cover your principal residence and up to 3 additional eligible risks. This policy update gives you more flexibility when choosing what you want to insure under your policy. If you want to insure more than 4 risks, an additional annual premium will apply. |
| Home-Based Businesses | Home-Based Businesses insured with Aviva are now automatically covered under your Personal Umbrella policy. |
| Rental Income Eligibility | Rental income eligibility refers to the money you earn from renting out your property, such as a house, condominium, basement apartment, or vacation home, that’s an insured risk under this policy. There is no longer a maximum amount of rental income to qualify for coverage under this policy. |
| Farms | Farms are properties where people grow crops, raise livestock, or carry out agricultural activities for personal or business purposes. Revenue generating farming activities are not covered under this policy. Please contact your broker to discuss your coverage needs if you require farming-related coverage. |
| Ovation® Customers | |
| Policy number | Your Personal Umbrella policy will have its own policy number. |
| Rented automobiles | Rented automobiles are vehicles that you temporarily hire or lease from another party for a short-term period and do not own. We’ve expanded our coverage for Use or Operation of rented automobiles in Canada and the United States of America. |
| Public image consultation | Public image consultation refers to working with a public relations expert that can step in to manage a situation that negatively affects how you or your family are viewed. Your Personal Umbrella coverage will increase for this service. |
Where to find your policy updates
You’ll find these updates on your Certificate of Insurance (COI) in your policy package.
For specific information about your coverage, please refer to your policy. Please review your policy carefully.
Questions?
If you have any questions about these updates or want to discuss your coverage needs, please contact your broker.
The content on this page is for information purposes only. For specific information about a product, or exact terms, conditions, coverage definitions, exclusions and limitations, please refer to your insurance policy wording. In the event or a conflict or discrepancy between this page and your insurance policy, the terms of the insurance policy will prevail. All insurance products discussed in this page are underwritten by Aviva Insurance Company of Canada. Certain services are provided through Aviva Canada Inc.’s contracted third-party services providers. Aviva and the Aviva logo are trademarks used under licence by the licensor. Ovation® is a trademark owned by Aviva Canada Inc.