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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

Public Realm Improvements

Public realm improvements are enhancements to public spaces such as sidewalks, parks, plazas, and streetscapes, often funded or contributed by. more

Mortgagee in Possession

A mortgagee in possession is a lender who takes control of a property after borrower default, but before foreclosure or power of sale. The lender. more

Lease Surrender Agreement

A lease surrender agreement is a negotiated contract between a landlord and tenant that ends a lease before its scheduled expiration. Terms may. more

Green Infrastructure

Green infrastructure refers to natural or engineered systems that manage stormwater, reduce heat, and improve sustainability in developments.. more

Escrow Holdback

An escrow holdback is a portion of funds withheld at closing and held in escrow until specific conditions are met, such as completion of repairs,. more

Underused Housing Tax

The Underused Housing Tax (UHT) is a federal annual 1% tax on the value of vacant or underused residential property owned by non-resident,. more

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