What is Liability Insurance?

Liability insurance is a very broad type of insurance that protects the insured from legal claims made against them. It is also sometimes referred to as “third-party” insurance because it protects the policyholder (first-party) against claims made by someone (third-party).


Who needs liability insurance?

Easy answer - everyone. That's why liability insurance is included in most auto and home policies. It's also the most basic insurance every business needs - regardless of how the business was formed or what it does. A couple additional forms of liability insurance go beyond the basic coverages. For more information about each specific type, click on the links in the right column of this page.


Let's talk

If you are interested in finding out if your insurance needs are being met, schedule an insurance audit with one of our professional insurance executives. They will review your insurance portfolio and provide recommendations for how to make sure you have the right insurance coverage.

  • David Chan
    ...No need to find another broker for your insurance needs. 10/10 recommended!
    David Chan
  • Marlene Arnold
    Julie is super. There are never any long delays in getting back to me. Super in advising what is the best deal for my needs.
    Marlene Arnold
  • Patrick Bourque
    Anna Marie has been absolutely a delight to talk to. She has been very helpful and most of all understanding when I made a mistake. I will be recommending CJ Campbell and specifically Anna Marie to any friends or family for insurance needs. Thank you for everything!
    Patrick Bourque
  • Melanie Wiebach
    I am over the moon with the service I’ve been experiencing from them! Strongly recommend.
    Melanie Wiebach
  • Craig Rieger
    Excellent team at CJ Campbell including Curtis, Anthony, Dave, Monique and the rest of the awesome CJ crew. Coverage is high quality, fairly priced and service is excellent. Highly recommend this team.
    Craig Rieger
  • Kevin Edmonds
    ...I dealt with Anna Marie Picone. The help she did for me was absolutely brilliant. I will recommend this Broker to everyone I know. Thank you all.
    Kevin Edmonds
  • Carrie Stone
    I use CJ Campbell for my personal as well and business insurance needs. The team members specifically Dave Parker & Boun Chou have been absolutely amazing to work with. I highly recommend this company for all your insurance needs. They are extremely professional and attentive; they are always prompt and getting back to me.
    Carrie Stone
  • Robin Harnett
    I've been with CJ Campbell for 25 years! They are very responsive and knowledgeable.
    Robin Harnett
  • Kristine Beaudin
    This team has blown me away with their hard work and dedication to my portfolio. I have both personal and commercial lines, and after a few hiccups, they went to bat for us and just knocked it out of the park! I can not thank you enough for dealing with my crazy insurance needs! I am so thrilled to be in your care for all my insurance needs! Cannot recommend enough!
    Kristine Beaudin
  • Carla Patricia
    Our family has been with CJ Campbell for over 20 years. We’ve been very happy and the service has always been very prompt. Monique Renaud is our policy Executive and is wonderful and highly recommended!
    Carla Patricia
  • Vacuum Specialists
    We have had the pleasure of dealing with Boun for many years, and her exceptional assistance and dedication have consistently exceeded our expectations. She consistently goes above and beyond to address our needs promptly and efficiently. Her professionalism is unparalleled, and we highly recommend her services.
    Vacuum Specialists
  • Patricia Wiebe
    We have dealt with CJ Campbell for over 50 years and their quality of service has been consistently excellent...DO NOT HESITATE to use this company for all your insurance needs!
    Patricia Wiebe
  • Patricia Wiebe
    We have dealt with CJ Campbell for over 50 years and their quality of service has been consistently excellent. We feel very secure knowing Keisha McCarthy is looking out for us. DO NOT HESITATE to use this company for all your insurance needs!
    Patricia Wiebe
  • Donald Macneil
    Great attitude
    Donald Macneil
  • Sid Tolchinsky
    I am very pleased having just worked with Julie David of CJ Campbell to restructure our house and car insurance under one company’s umbrella policy which saved us money and simplified our policies. Thank you Julie.
    Sid Tolchinsky
  • Brooke Siebert
    ...the fact I don't have to stress out about insurance was an immense help.
    Brooke Siebert
  • Brooke Siebert
    Keisha is so good at her job, I cannot stress this enough! She is patient, kind and really helped me out finding the best deal for insurance when I moved to Alberta. It's the little things in life and the fact that I don't have to stress out about insurance was an immense help. I cannot thank her enough!
    Brooke Siebert
  • Nicole D.
    I have been with CJ Campbell for almost 30 years. In those 30 years I have received exceptional service! Boun has been supporting me with competitive rates for home, auto and motorcycle insurance, always with my best interests at heart. I continue to refer my friends and family to Boun and CJ Campbell because they work hard to find the best rates and her client service is second to none.
    Nicole D.
  • Nicole D.
    I have been with CJ Campbell for almost 30 years. In those 30 years I have received exceptional service! ... I continue to refer my friends and family to CJ Campbell because they work hard to find the best rates and client service is second to none.
    Nicole D.
  • Roxeen Willett
    Highly recommend switching to CJ Campbell. You won't be disappointed.
    Roxeen Willett
  • Andrea Patterson
    I would definitely recommend dealing with CJ Campbell as I know of others who also use them and love the service they receive.
    Andrea Patterson
  • Gemma B.
    I've been with this company for over 10yrs and never had a problem.
    Gemma B.
  • Rick Green
    CJ Campbell continues to help us feel protected with best in class products and fantastic service, thank you!
    Rick Green
  • Jill Lemon
    I would recommend CJ Campbell to everyone. An excellent local business!!
    Jill Lemon
  • Amin Ziarati
    Overall, I highly recommend CJ Campbell for all your insurance needs. They are a reliable and trustworthy company that truly cares about their clients.
    Amin Ziarati
  • Jill Lemon
    Anna Marie is excellent to deal with. She is very thorough and always goes the extra mile to make sure your needs are being taken care of. She has helped me through a couple insurance difficulties!! She is also very down to earth and humorous. I would recommend CJ Campbell to everyone. An excellent local business!!
    Jill Lemon
  • Amin Ziarati
    ...What sets CJ Campbell apart from other insurance companies is their personalized approach to each client. Boun takes the time to understand your specific insurance needs and works tirelessly to find the best coverage options at the most competitive rates. I have always felt like a valued customer with CJ Campbell, and I appreciate the high level of customer service they provide...
    Amin Ziarati
  • Shelley Thurber
    I have been dealing with this company since 2010. Keisha McCarthy has always been so professional, helpful, and timely with all of my insurance needs. I can't recommend CJ Campbell and Keisha enough!
    Shelley Thurber
  • Rick Green
    Thanks Club 1912 of CJ Campbell for the most thorough review of our insurance and bringing the specialty worldwide liability coverage to our attention, much appreciated! Club 1912 at CJ Campbell continues to help us feel protected with best in class products and fantastic service, thank you!
    Rick Green
  • Lara
    Fantastic service every time! Everyone is super helpful and knowledgeable and will get you the best deal on insurance.
    Lara
  • Alexandrea Currie-Bell
    We have worked with Boun at CJ Campbell for years. She has always been extremely helpful in assisting us, as well as helped us in a timely manner. I would 100% recommend her!
    Alexandrea Currie-Bell
  • Gemma B.
    I've been with this company for 10yrs and never had a problem. The staff are very helpful, especially Boun.
    Gemma B.
  • Andrea Patterson
    I’ve had the pleasure of now dealing with Boun a few times for my insurance needs and she is an absolute delight to talk to. I would definitely recommend dealing with CJ Campbell as I know of others who also use them and love the service they receive.
    Andrea Patterson
  • Arnel Rante
    They're very helpful.
    Arnel Rante
  • Russell Motha
    If you want to get the best service from them, you need to talk to Boun Chou at CJ Campbell, got the best rates across 12 different companies for my house and my car and the service was excellent.
    Russell Motha
  • Jason Perras
    Great company to deal with. We are very happy to switch over from our previous company and they also saved us some money!
    Jason Perras
  • Theresa Hendricken
    My husband and myself have been with company for at least 25 years. They never disappoint always best rates.
    Theresa Hendricken
  • D K2
    5 star service. I have nothing but fantastic things to say about the exceptional service I received. I can leave a voicemail or an email and I normally get a response within a 15 minute window (or sooner). I would highly recommend dealing with the team at CJ Campbell.
    D K2
  • Jonathan Howlett
    Highly recommended and always delivers the best service for home and auto insurance. Able to navigate for best value, and listens to our needs.
    Jonathan Howlett
  • Sarah Korwin
    I had the pleasure of setting up my new auto and home insurance with CJ Campbell's Club 1912. They are very friendly and extremely detail oriented. They provided me with a quote immediately and the application process was seamless. They were able to provide me with better coverage and service than what I was getting for over a decade with my previous provider. I am so happy I was referred to CJ Campbell!
    Sarah Korwin
  • Carla Lestinho
    Great company! Been there for 20 years and they’re always very accommodating and fast to serve, even with the pandemic.
    Carla Lestinho
  • Dom L
    I have been a client of C.J Campbell Insurance for over 16 years. I would like to express my gratitude to Joel White. Joel is absolutely amazing to work with. His professionalism, understanding and willingness to go above and beyond for clients is very commendable! When ever I have a question or if there is an issue he’s instantly working on how to resolve or answer my question. I highly recommend him for all your insurance needs.
    Dom L
  • Ken Moffatt
    My wife and I moved our insurance to CJ Campbell after Royal Bank started demanding annual payments from customers. We have been very happy for the past few years. Customer service is exceptional and staff work to help you get a fair deal. I would highly recommend CJ Campbell Insurance.
    Ken Moffatt
  • Roz F
    Every individual I've had contact with at CJ Campbell has been professional and prompt in their service. I'm guessing this is the reason this family owned business has been around for decades. If you require insurance, you won't be disappointed here.
    Roz F