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Marijuana

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Does ‘material change in risk’ clause need better clarity?

February 3, 2020 by Greg Meckbach

Despite Wawanesa’s recent legal victory in a coverage dispute in British Columbia, judges in that province appear to be struggling to interpret the statutory condition on material change in risk. Five years ago, Bob and Linda Schellenberg’s property in Chilliwack

News AdjustersClaimsClaims CanadaInsuranceLegal

Why these homeowners lost their negligence lawsuit against a Hub brokerage

January 24, 2020 by Greg Meckbach

British Columbia’s top court recently sided with a Hub International brokerage in a case in which a client sued the brokerage and the insurer for coverage that was denied because a building damaged by fire contained a legal medical marijuana

News InsuranceMarkets / Coverages

First batch of legal marijuana edibles on their way for B.C.

December 20, 2019 The Canadian Press

VICTORIA – British Columbia’s government says the first batch of legal marijuana edibles, extracts and topical will soon be available for purchase, two months after they were legalized in Canada. The province says it received its first shipments of the

News Claims CanadaInsuranceMarkets / Coverages

How should employers treat recreational marijuana use?

May 9, 2019 by Jason Contant

Employers should treat marijuana use in the workplace as they would alcohol use, a senior claims professional told Canadian Underwriter Monday. “All of the liability still exists,” said Heather Matthews, senior vice president of Crawford & Company (Canada)’s National Claims

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Will roadside marijuana tests be upheld in court?

May 7, 2019 by Jason Contant

The ability to properly test marijuana impairment with roadside devices remains front and centre seven months after legalization, with at least one possible legal fight brewing. “I think our big issue in Canada, whether it’s a roadside test or from

News InsuranceLegalRisk

Do your insureds understand a “material change in risk”?

March 29, 2019 by Jason Contant

It’s not necessary for an insurer to prove that an insured knew a change in risk was “material” to the carrier, the Supreme Court of British Columbia has ruled. In May 2014, Wawanesa Mutual Insurance Company voided a homeowner’s policy

News InsuranceLegislation / Regulation

Pot legalization not a good reason to raise auto rates: Regulator

March 26, 2019 by Greg Meckbach

Nova Scotia’s auto insurance regulator is not letting The Dominion of Canada General Insurance Company take marijuana legalization into account when calculating this year’s rate increases. The Dominion said in a rate change application that claims frequency will likely go

News ClaimsInsuranceLegislation / Regulation

How recreational cannabis has created numerous challenges for insurers

March 14, 2019 by Greg Meckbach

Cannabis legalization is making things more complex for auto insurers and increasing risk for some commercial property clients, A.M. Best Company Inc. suggests in a recent report. About 25 insurers, most of whom are non-admitted, provide coverage for cannabis risks

News AdjustersClaimsInsurance

How mixing marijuana and alcohol may lead to more settlements

January 18, 2019 by Jason Contant

With recreational marijuana legal in Canada since Oct. 17, 2018, social hosts and bars will need to pay attention to liability arising from people who are intoxicated by both marijuana and alcohol. Traditional liquor liability cases can be complicated enough

News InsuranceMarkets / Coverages

Beginner’s guide to insuring pot

January 9, 2019 by Jason Contant

After nearly three months of recreational marijuana being legal in Canada, insurers are still trying to wrap their heads around a sector with no track record and lots of uncertainty. For specialist insurer CFC Underwriting, there is still some caution

News InsuranceLegalLegislation / RegulationRisk

Risk appetite for marijuana ‘all over the map’

September 17, 2018 by Greg Meckbach

Some insurance companies “want no part” of covering risks related to cannabis in Canada, an industry analyst warns. As of Oct. 17, it will be legal in Canada for adults to possess up to 30 grams of dried cannabis for

News InsuranceLegislation / Regulation

How cannabis legalization could re-word home insurance policies

August 29, 2018 by Greg Meckbach

If carriers do what one insurance defence lawyer advises, your clients could get new exclusionary language in their home insurance policies as a result of cannabis legalization. Insurers who are concerned about the risk of fire and burglary arising from