Canadian Underwriter

Topic Liability

sleeping woman in autonomous car. Driverless car. Self-Driving car. UGV (unmanned ground vehicle).
News ClaimsInsurersLegalLiabilityPersonal Auto

Regulations for insuring self-driving cars required sooner rather than later, lawyers say

May 27, 2022 by David Gambrill

Canada is not ready to insure even partially automated vehicles (AVs), but the move towards fully-automated vehicles could be here by as early as 2026, warn lawyers at Borden Ladner Gervais LLP. Provincial legislatures will therefore need to update their

Internet of Things concept
News ClaimsCyberEnvironmentalLiabilityMGAsTechnology

How modern tech companies are leaving old insurance policies in the dust

May 19, 2022 by Jason Contant

Modern tech companies are moving along at a much faster pace than the insurance policies designed to protect them, says Michael Brunero, head of tech, media and intellectual property (IP) at CFC Underwriting. “We started to realize the policy that

Stock market trading screen showing sell-off.
News ClaimsClaims ProfessionalsCommercialEmerging RisksInsurersLegalLiability

Stock market volatility may spike E&O claims

May 17, 2022 by Michelle Schriver

Investors are taking a turbulent ride as global stock markets correct and increasingly run the risk of entering recession territory. And, with some advisors’ clients ‘at the edge,’ that raises a red flag for errors and omissions (E&O) claims against

Hand holds a car and a car key
News AlbertaClaimsInsurersLegalLiabilityPersonal Auto

Car owner vicariously liable for crash despite reporting her vehicle stolen

May 13, 2022 by David Gambrill

A car owner is vicariously liable for any damage or injury caused by the driver of their borrowed car, even if the owner places conditions on — or revokes — consent while the driver is still in possession of the

Gathering the data for underwriting a risk.
News BrokersClaimsCommercialCommercial AutoConstructionCyberEmerging RisksHRInsurersLiabilityMergers and AqcuisitionsMGAsOperationsPersonal AutoPersonal HomePropertyRisk ManagersTrusted Advisor

Where have all the good underwriters gone?

May 12, 2022 by Gloria Cilliers

For years, insurers have poached commercial underwriters from one another amid M&A activity, an aging population and hard/soft markets. But that’s left the industry with less seasoned talent and slower investment in acquisition, training and retention. “Suddenly, more so than

Gavel and remote control from car on table.
News B.C.ClaimsCommercial AutoInsurersLegalLiabilityPersonal Auto

Appeal Court green-lights key feature of B.C.’s no-fault auto reform

May 12, 2022 by David Gambrill

A central pillar of the B.C. government’s auto insurance reform — that the province’s Civil Rules Tribunal (CRT) has exclusive jurisdiction to determine minor injuries below $50,000, and not the courts — has been found constitutional by the B.C. Appeal

Gavel representing court decision.
News AdjustersB.C.ClaimsClaims ProfessionalsCommercialInsurersLegalLiabilityPropertyTrusted Advisor

3 lessons about brokers’ obligations to insureds

May 6, 2022 by 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

Bicycle lane in downtown Vancouver
News B.C.ClaimsInsurersLiabilityPersonal Auto

Auto insurer changes policy on seeking costs from cyclists and pedestrians

May 5, 2022 by Jason Contant

Editor’s Note: This story has been updated to include information from ICBC.   The Insurance Corporation of British Columbia (ICBC) is changing its policy on when it seeks recovery for costs from cyclists and pedestrians who have some responsibility for

A police officer at a car accident scene.
News ClaimsInsurersLiabilityNew BrunswickPersonal Auto

$200K liability limit triggered in suicidal driver’s auto policy

May 4, 2022 by David Gambrill

Third-party drivers injured in an accident caused by the criminal action of a suicidal driver cannot claim more than the minimum $200,000 liability limit in the suicidal driver’s policy because of a public policy rule enshrined in the New Brunswick

Driver handing over a license.
News AlbertaB.C.BrokersClaimsCommercialCommercial AutoConstructionCyberInsurersLegalLiabilityLicensingManitobaNew BrunswickNewfoundland & LabradorNova ScotiaNunavutNWTOntarioP.E.I.QuebecSaskatchewanYukon

Beware the tax implications of unlicensed insurance

May 3, 2022 by Jason Contant

If you’re looking to place a risk through an insurer that’s not licensed to write business in Canada, it’s important to understand the requirements around filing federal and provincial taxes, as well as special broker licenses. Although direct placement with

Photo of pinned Quebec on a map of Canada.
News CommercialInsurersLegalLiabilityQuebec

Good news for Quebec’s D&O insurance market

May 3, 2022 by David Gambrill

Quebec has taken a big step towards aligning its duty to defend rules with those of other Canadian provinces, meaning certain insurance contracts in Quebec will be exempt from a legal requirement to pay for insurance defence costs above and

Close-up of a young woman making a stop gesture. Focus on foreground
News ClaimsCommercialEmerging RisksHRInsurersLegalLiability

Sexual harassment: Grounds for dismissal, but not for denying severance

April 27, 2022 by David Gambrill

Slapping a woman on the buttocks in the workplace may be grounds for dismissal, but the threshold for terminating severance as a result of sexual harassment requires ‘wilful misconduct,’ the Ontario Court of Appeal has ruled. In essence, if the