Personal Injury

Understand personal injury in Canadian real estate — what it includes, how to protect against liability, and the role of insurance in managing risks.

Personal Injury



What is Personal Injury?

Personal injury in real estate refers to bodily harm sustained by a visitor, tenant, or service provider on or because of a property.

Why Personal Injury Matters in Real Estate

In Canadian real estate, personal injury claims can arise from unsafe conditions such as icy walkways, loose handrails, or poor lighting. Property owners may be held legally liable if negligence is proven.


Examples of personal injury incidents include:
  • Slip and falls on unshoveled sidewalks
  • Trips on broken steps or walkways
  • Injuries from falling debris or unsecured fixtures


Liability coverage within home insurance helps protect homeowners against legal costs and damages from such claims. Landlords and property managers also carry liability insurance to protect against tenant or visitor injury lawsuits.


Understanding personal injury risks allows homeowners and landlords to mitigate liability and ensure safe living conditions.

Example of Personal Injury in Action

A tenant’s guest breaks their ankle after slipping on an icy stairwell. The property owner is found liable and the insurance policy covers the settlement.

Key Takeaways

  • Involves injury occurring on property grounds.
  • Can lead to lawsuits and financial liability.
  • Covered by liability insurance.
  • Landlords must maintain safe conditions.
  • Risk increases with negligence.

Related Terms

  • Liability Coverage
  • Home Insurance
  • Legal Liability
  • Property Protection
  • Risk Management

Additional Terms

Budgeting

Budgeting in real estate refers to the process of forecasting and managing income and expenses associated with owning, operating, or developing a property.. more

Tenant Improvements

Tenant improvements refer to custom modifications or build-outs made to a leased space to suit the tenant’s operational needs, often negotiated as. more

Highest and Best Use

Highest and best use refers to the reasonably probable use of a property that results in the highest value, provided it is legally permissible,. more

Gross Lease

A gross lease is a commercial lease where the tenant pays a fixed rent, and the landlord covers most or all operating expenses such as property. more

Brownfield

A brownfield is a property that was previously used for industrial or commercial purposes and is now vacant or underused, often requiring. more

Record of Site Condition (RSC)

A Record of Site Condition (RSC) is a formal document filed with a provincial environmental authority certifying that a property meets required. more

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