Canadian Underwriter

Topic Ontario

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

Business interruption insurance form and red pen for signing.
News Business InterruptionClaimsCommercialInsurersLegalLiabilityOntarioQuebec

Aviva loses bid to quash class action for COVID-related BI losses

March 28, 2023 by David Gambrill

Ontario’s Superior Court has certified a class action lawsuit by a window and door manufacturer against Aviva Canada related to the insurer’s broad denial of pandemic-related business interruption claims. In doing so, the court rejected Aviva’s motion to have the

Pedestrian crossing from a driver's point of view
News InsurersOntarioPersonal Auto

The risk most Ontario drivers are taking

March 28, 2023 by Alyssa DiSabatino

More than half of Ontario motorists (57%) believe distracted driving is the greatest threat to road safety, yet a quarter (24%) of Ontarians admit to distracted driving despite knowing its risks, a recent RatesDotCa survey reveals.  Distracted driving ranks as

Police officer (20s) conducting sobriety test on woman.
News ClaimsInsurersLegalLiabilityOntarioPersonal Auto

Latest Supreme Court ruling may reduce liability risk due to impaired drivers

March 27, 2023 by David Gambrill

Canada’s top court has restored the impaired driving conviction of an Ontario ATV driver, whose Charter rights were violated when the police pulled him over on a shared private driveway instead of a public highway. The case is of interest

Consulting on an insurance policy
News BrokersInsurersOntarioPersonal Auto

Brokers, insurers respond to 2023 Ontario budget

March 24, 2023 by Jason Contant

Ontario’s broker association is glad to see auto insurance as well as enhancing Ontario’s emergency response remains on the provincial government’s agenda.  In its 2023 Ontario Budget, the government said it will “continue to make progress on previous commitments, including

Two people riding on an ATV through the snow
News ClaimsInsurersLegalOntarioPersonal Auto

ATV roll-over decision could help insureds who are denied coverage

March 23, 2023 by Philip Porado

Recent granting of a plaintiff’s motion for summary judgement against an insurer in an all-terrain vehicle (ATV) overturn accident may make it easier for auto insurance policyholders to access their coverage. Ultimately, the decision may be of future benefit to

Auto accident damage at intersection.
News BrokersClaimsOntario

What Ontario’s DCPD change means for insureds, brokers

March 23, 2023 by Alyssa DiSabatino

Editor’s note: This article has been updated to include a statement from the Insurance Bureau of Canada.   Ontario’s insurance regulator has passed OPCF 49, which gives consumers the choice to opt out of Direct Compensation-Property Damage (DCPD) coverage on

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News B.C.BrokersClaimsManitobaNew BrunswickNewfoundland & LabradorNova ScotiaNunavutNWTOntarioP.E.I.QuebecSaskatchewanYukon

Want lower liability exposure for athletes? Don’t play sports in B.C.

March 21, 2023 by Alyssa DiSabatino

A recent Supreme Court of British Columbia case points to the difference between the standard of care for sports negligence claims in B.C. compared to the rest of Canada.   In Miller v. Cox, the court found that a recreational soccer

Snow covered carport that has collapsed on top of, and caused damage to two vehicles
News B.C.CatastrophesClaimsEnvironmentalInsurersLoss TrendsNova ScotiaOntario

Claims to expect in Canada after a rough winter in March

March 17, 2023 by Alyssa DiSabatino

Parts of Canada have been hit with several major snowstorms in succession this winter, and while none of the severe storms individually will likely be declared catastrophes (i.e. resulting in more than $30 million of insured damage), they may be

High tech car thief using an tablet to access a car door lock
News BrokersClaimsCommercial AutoInsurersOntarioPersonal Auto

Drivers fear fraud, but don’t take an elementary step to prevent it

March 10, 2023 by Alyssa DiSabatino

Insurance broker scams are among the primary ways drivers believe they could be susceptible to fraud, yet only 1 in 5 respondent auto policyholders took the time to check with the Financial Services Regulatory Authority of Ontario (FSRA) to ensure

A closeup of a seismograph machine needle drawing a red line on graph paper depicting seismic and earthquake activity - 3D render
News B.C.CommercialEmerging RisksEnvironmentalInsurersOntarioPersonal HomePropertyQuebec

New earthquake model considers eastern Canada risk

March 9, 2023 by Jason Contant

Aon plc has launched a new earthquake model for Canada, one that takes into account the well-known risk in western provinces but also the lesser-known risk in eastern Canada. The model is based on the latest scientific research from Natural