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How to protect yourself from liability as an Ontario landlord — 2026 guide

How Can I Protect Myself From Liability? 2026 Ontario Guide

Liability for an Ontario landlord in 2026 is not one risk — it is four: an injury claim under the Occupiers’ Liability Act, a maintenance or vital-services case at the Landlord and Tenant Board, a regulatory fine that doubled on July 1, 2026, and an insurance gap you only discover after a loss. This guide shows how to layer insurance, maintenance, records, a lawful lease and the right ownership structure so one incident does not become a personal loss.

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