Canadian Underwriter

Topic Legal

A dike breach in Ste-Marthe-sur-le-Lac, Que.
News CatastrophesClaimsEnvironmentalLegalPersonal HomeQuebec

Residents of Quebec town still struggle with aftermath of 2019 flooding

May 1, 2023 by Morgan Lowrie - THE CANADIAN PRESS

SAINTE-MARTHE-SUR-LE-LAC, Que. – Sylvie Bechard had only owned her little brick house for six months when her neighbour came banging on her door on the night of April 27, 2019. The dike holding back the Lake of Two Mountains had

Firefighters extinguishing an industrial fire at the fire station holding on to the hose spraying the fire at a storage tank.
News ClaimsCommercialInsurersLegalLiabilityPropertyQuebec

Insurer successfully defends city’s appeal over fire response times

April 28, 2023 by David Gambrill

Canada’s top court Thursday refused to hear an appeal in a case in which a Quebec municipality was found 25% liable for a fire that destroyed a commercial building when not enough firefighters were present after 10 minutes to fight

Condos along the Bow River in Calgary
News ClaimsClaims Canada ArchiveCommercialInsurersLegalLoss ControlLoss TrendsPropertyRisk Managers

Why condo corporations need an extra ‘financial cushion’ 

April 27, 2023 by Jason Contant

Canada’s national actuarial organization is recommending legislation that would require condo corporations to hold in their reserve funds a “financial cushion” above what’s required by a reserve fund study.  “That cushion protects corporations from adverse deviations from increased expenditures (among

Complaint file
News BrokersClaimsCommercialHRLegalLiabilityOperations

How brokers can protect clients from ESG and DEI claims risk

April 25, 2023 by Philip Porado

Brokers placing directors and officers (D&O) insurance coverage should recognize the growing importance of how private company clients manage both environmental, social and governance (ESG) and diversity, equity and inclusion (DEI) concerns. Those issues are of increasing concern to the

Severe flooding on the Ottawa River (for illustrative purposes only)
News ClaimsInsurersLegalPersonal HomePropertyQuebec

Insurer successfully defends flood exclusion in water damage endorsement

April 21, 2023 by David Gambrill

A Quebec home insurer successfully defended a flood exclusion to its policy’s water damage endorsement, on the basis that the insurer would not cover water damage that “occurs when a flood reaches the surface of the ground on the premises.”

Cyber thief in black gloves hides a stolen hard drive
News ClaimsCommercialCyberLegalNWTTechnology

Break-in at government office results in privacy breach

April 21, 2023 by The Canadian Press

YELLOWKNIFE – The Northwest Territories government says a break-in at its Department of Education, Culture and Employment headquarters in Yellowknife has resulted in a privacy breach affecting about 3,000 people. The government says the break-in occurred early on Sunday and

stabbing with a knife, assault. Illustration. Black silhouette on rad background
News ClaimsInsurersLegalLiabilityOntario

Why Intact doesn’t have to defend a man found not criminally responsible for a knife attack

April 14, 2023 by David Gambrill

Intact Insurance does not have a duty to defend a man with schizophrenia who stabbed the owner of a firearms store while in the grip of a psychotic delusion, Ontario’s Court of Appeal has ruled. Brett Butterfield suffered a psychotic

The office of the Archdiocese of Montreal
News ClaimsInsurersLegalLiabilityQuebec

$14.7 million settlement in sex abuse class action against Montreal archdiocese

April 14, 2023 by Sidhartha Banerjee - THE CANADIAN PRESS

MONTREAL – A $14.7-million settlement has been reached in a class-action lawsuit brought against the Montreal Roman Catholic archdiocese, and a judge will be asked to sign off on the deal in the coming weeks, the plaintiffs’ lawyer said Thursday.

Business associates arguing.
News ClaimsClaims ProfessionalsCommercialConstructionLegalLiabilityLoss Control

Why resolving claims disputes is about more than numbers

April 11, 2023 by Derek Sayers

Want to increase the likelihood of a construction project insurance claim being accepted? Take the time to validate each aspect of that claim. The upfront work will make it easier for any umpires, mediators, consultants or lawyers brought in to

Red Handle Rubber Stamper and You've Been Served text isolated on the table.
News ClaimsInsurersLegalLiabilityOntarioPersonal Auto

Can’t find defendants in auto liability cases? Don’t serve their insurers instead.

April 5, 2023 by David Gambrill

Ontario’s Court of Appeal has laid down the law on trial lawyers habitually serving defendants’ auto liability insurers as a matter of course when they can’t find the defendants to serve notice of the lawsuit. Don’t do it. “As a

Hand holding magnifying glass and looking at house model with row of coin money, house selection, real estate concept.
News ClaimsInsurersLegalOntarioProperty

Intact policyholder conflates ACV with replacement cost value

April 4, 2023 by David Gambrill

Intact recently won an appraisal dispute with an insured who originally claimed more than four times the market value of his business property after a fire, prompting the court to find the insured was conflating actual cash value (ACV) of

family home icon. Vector isolated illustration.
News ClaimsInsurersLegalLiabilityOntarioPersonal Auto

Spouses don’t have to live under the same roof to qualify for family protection auto coverage

April 3, 2023 by David Gambrill

Editor’s Note: This article has been corrected to show that the Motor Vehicle Accident Claims Fund (MVACF) has a $200,000 maximum legal liability and not $250,000, as initially reported. Canadian Underwriter apologizes for the error.   Spouses don’t have to