Personal Umbrella Liability Plan Policy Changes in 2021

In September, we notified you that the CDSPI Personal Umbrella Liability Policy (PULP) will no longer be offered in 2021. We are pleased to announce a replacement plan will be offered starting January 1, 2021. The new plan will be underwritten by Aviva Insurance Company of Canada (Aviva).


Your 2021 invoice includes your premiums for the new 2021 PULP plan. If you have any questions about this plan, please speak with us - our contact information is below.


Below is a summary of the key differences between your current plan and the new plan.

Summary of Changes:

  • Clients who hold the new PULP plan will still need to maintain a minimum of $1 million of personal liability coverage in place. In order for the policy to respond to an automobile claim that occurs outside of Canada and the U.S., PULP clients need to maintain an underlying policy limit of $250,000. If this limit is not maintained, clients will be responsible for the first $250,000 of any loss. This is referred to under the new policy as a “self-insured retention limit”.


  • Policy wording that applies to claims related to under-insured or uninsured motorists has been added for further transparency and clarity. This underlying policy wording is referenced under the SPF No. 7/OPCF No. 7 section of the new policy.


  • The new policy provides the insurer the ability to cancel an Individual Memorandum of Insurance for underwriting reasons other than non-payment of premium by providing 30 days’ notice, whereas the current policy requires 90 days’ notice.


  • New exclusions related to contagious diseases, pollutants, discrimination, punitive damages and violation of law or ordinance have been included in the 2021 policy.


  • The definition of business activities that are excluded under the 2021 policy makes an exception for farming.


  • The daily amount available for actual loss of earnings incurred to assist the insurer, at their request, in the investigation or defence of a claim is now $200; previously it was $100.

2021 PULP premiums will increase over the 2020 premiums. This increase is a result of the volatile environment insurance companies faced in 2020, a year marked by the COVID-19 pandemic, and more climate-related and natural disasters.

Limits 2021 PULP Premiums 2020 PULP Premiums
$3M $235 $167
$4M $250 $192
$5M $275 $210

Reference Documents

For your reference, please download a copy of your new policy booklet below:

2021 Personal Umbrella Liability Policy

2020 Personal Umbrella Liability Policy (Expires Dec. 31, 2020)

Full Details About 2021 Changes


If you have any questions about your policy, please contact the Insurance Advisory Team at or 1.800.561.9401.