Canadian Underwriter

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News AdjustersClaimsClaims CanadaInsuranceLegal

Don’t investigate fraud suspicions indefinitely, court tells insurer

May 6, 2022 by David Gambrill

If an insurer suspects fraud in a house fire contents claim, it might be better to deny the claim within 60 days, alleging fraud, rather than to prolong the claims investigation indefinitely while asking for documentation from the insured that

Gavel representing court decision.
News AdjustersBrokersClaimsClaims CanadaCommercial LinesConstructionInsuranceLegalRestoration

3 lessons about brokers’ obligations to insureds

May 6, 2022 Harmon C. Hayden

A broker has an obligation to help clients understand policy specifics and avoid coverage gaps, and it’s not necessarily going to save them if the client hasn’t reviewed the policy, the British Columbia Court of Appeal found recently in Alvaro

Police yellow line, blurred lights and traffic accident in background
News AdjustersClaimsClaims CanadaInsuranceLegal

Insurance investigators: Be on guard when sharing info with police

May 5, 2022 by David Gambrill

Insurance investigators need to be on their guard about sharing information with police, lest they breach their duty of good faith to their insureds, note lawyers for Borden Ladner Gervais, referencing a 2021 Alberta Court of Queen’s Bench decision. The

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News AdjustersBrokersEmploymentInsurance

Leaving hibernation: What’s next for P&C industry?

April 21, 2022 by David Gambrill

Look for Canada’s P&C industry to fine-tune the hybrid workplace model over the next six months, as the country starts to ease pandemic restrictions, industry execs say. The tinkering will involve achieving the best balance between meeting in person with

Bombed out building in Ukraine painted in flag's colours.
News AdjustersCatastrophesClaimsCommercial LinesEngineeringInsuranceMarkets / CoveragesReinsuranceRestorationRisk

Ukraine war insured losses could outstrip 9-11

April 20, 2022 Philip Porado

When adjusters are finally able to assess the damage stemming from the war in Ukraine, costs may exceed the Sept. 11, 2001 terror attacks as the largest industry-wide insured loss, across all classes of business, in history, said a specialty

Portrait of african american businesswoman wearing protective face mask standing in modern office.
News AdjustersBrokersEmploymentInsuranceLegalLegislation / RegulationMGAsRisk

How Canada’s P&C industry feels about COVID safety in their offices

March 30, 2022 by David Gambrill

More than seven out of 10 Canadian P&C industry professionals feel protected from COVID in their new hybrid office arrangements, according to an online poll conducted this week by Canadian Underwriter. Over 650 P&C professionals answered CU‘s survey, including brokers,

Russian manufactured guided missile launcher with three rockets, oriented towards west, ready for deployment
News AdjustersBrokersClaimsCommercial LinesInsuranceMarkets / CoveragesProductsRisk

From nukes to export tangles, war shows need for custom covers

March 23, 2022 Philip Porado

Clients needing war, political violence or terrorism insurance may need to seek bespoke covers, noted a recent Ukraine technical update from claims manager Crawford. “The purpose of a political violence policy is to dovetail with the commercial property policy and

Woman in hybrid work place sharing her time between an office and working from home remotely, EPS 8 vector illustration
News AdjustersBrokersInsuranceProfessional Development

Hybrid workplaces: 5 emerging trends

March 18, 2022 by David Gambrill

COVID-19 has changed workers’ expectations, although it’s not clear yet whether company executives see this new emphasis on personal well-being and remote flexibility as “a temporary pendulum swing, or the beginning of our new normal,” writes Jared Spataro, corporate vice

High rise building construction in urban area.
News AdjustersClaimsCommercial LinesConstructionEngineeringInsuranceLegal

A new way for insurers to handle construction delays and cost overruns

March 17, 2022 Jonathan E. McNatty

Since 2016, the federal government’s slated nearly $100 billion to support development of transit extensions, shipping port improvements, affordable housing and more. When private-sector construction slowed in March 2020, federal infrastructure building quickly filled the gap. And, throughout 2021, both

News AdjustersClaimsInsuranceLegal

Dangerous driving doesn’t necessarily trigger policy exclusion for intent to injure

March 14, 2022 by David Gambrill

A driver pleading guilty and spending nine months in jail on a charge of dangerous driving causing bodily harm does not necessarily prove he intended to cause the injuries, an Alberta court has found. In other words, an auto insurer

Digital hand grenade
News AdjustersClaimsCommercial LinesInsuranceLegalLegislation / RegulationMarkets / CoveragesReinsuranceRisk

Insurers checking their war exclusions for cyberattacks

March 10, 2022 Philip Porado

While cyberattacks have increased since Russia invaded Ukraine and numerous countries responded with tighter sanctions, most of those attacks have been more basic distributed denial-of service attacks on both sides of the conflict, said a DBRS Morningstar commentary on cyber

Real Estate House Appraisal And Appraisers Inspection
News AdjustersClaimsClaims CanadaInsuranceLegal

Appraisers in home insurance claims don’t have to be neutral, court finds

February 17, 2022 by David Gambrill

Appraisers in home insurance claims don’t have to be neutral, the umpires do, the Court of Appeal for Ontario has ruled. In Desjardins General Insurance Group v. Campbell, Ruth Campbell made a home insurance claim against Desjardins General Insurance Group after a