Personal Insurance

Personal Liability Insurance

Personal liability is a critical, but often overlooked, component of your personal risk management portfolio. The more you have acquired, the more you need to protect yourself and your family. Your financial security could be impacted due to accidental events you may have thought were adequately covered. Excess liability insurance responds when the underlying liability limits of your various other policies have been exhausted.

Not every policy is enough to protect you from personal exposure in the event of a serious incident. Van Helden knows this and has the expertise to recommend the kinds of additional coverage you may need. Our team is equipped to provide top-quality risk management. Contact us for a quote today.

we provide protection for:

Property damage and bodily injury
Defence costs
Personal injury

Our Promises

Worldwide Coverage on all liability coverages.

Our policies cover “personal injury” lawsuits involving accusations of slander, libel, defamation of character, mental injury and wrongful eviction.

High Limits up to $50 million are available for clients with significant assets to protect.

Our Excess Liability policies have no self-insured retention, so clients do not have to pay a deductible in the event of a claim.

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Our Stories

We needed our house insured last minute and it was turning out to be difficult for us to do on our own. Van Helden Agencies was recommended to us by my husband's coworker and I am so glad that we chose to go with them. Pam communicated with us every step of the way and we couldn't be more pleased. Pam's expertise was valuable and appreciated. Highly recommended!

– Catherine Lim

Our house was struck by lightning and subsequently destroyed by fire. Van Helden Agencies responded immediately and efficiently processed our claim. Doug Van Helden personally arrived on site Saturday morning following the fire to provide me with assurance and comfort. Thanks to the quality of the insurance policy and their direct involvement, Van Helden Agencies made my transition and recovery from an otherwise difficult situation as seamless as possible.

– Mitch Putnam

I experienced a flood in my condo building that caused major damage and resulted in time away from home. The Van Helden team was extremely supportive and compassionate throughout the whole process. Their responsiveness and ability to answer questions surrounding the claims process and provide guidance made the extremely stressful process much more manageable.