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

May 22, 2025


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

Bridge Financing

Bridge financing is a short-term loan that helps homebuyers cover the financial gap between buying a new property and selling their existing one.. more

Bridge Loan

A bridge loan is a short-term financing option that allows homeowners to borrow against the equity in their current property to fund the purchase of. more

Firm Offer

A firm offer is a legally binding agreement to purchase a property that contains no conditions. Once accepted, it commits both the buyer and the. more

Foreclosure

Foreclosure is a legal process through which a lender takes ownership of a property when the borrower defaults on their mortgage payments.. more

Closing Costs

Closing costs are the various fees and expenses that buyers and sellers must pay to finalize a real estate transaction, separate from the property’s. more

Assignment Sale

An assignment sale occurs when the original buyer of a property (the assignor) sells their rights in the purchase agreement to a new buyer (the. more

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