Canadian Underwriter

policy exclusions

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News AdjustersClaimsInsuranceLegalMarkets / Coverages

Policy exclusion? Watch your exceptions in multiple-cause losses

October 18, 2023 by David Gambrill

Underwriters must pay close attention to the policy wording they use in their exceptions to exclusions, lest insurers find themselves on the hook for covering losses with two or more suspected causes. That’s a key takeaway from Brock Stock Farm

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News AdjustersClaimsClaims CanadaClimate ChangeInsuranceLegalLegislation / Regulation

GRC policy includes increased compliance costs for rebuild, court rules

October 5, 2022 by David Gambrill

Guaranteed replacement cost (GRC) coverage for rebuilding a flooded home in an area regulated by a conservation authority includes the increased regulatory compliance costs required for the rebuild, Ontario’s Superior Court has ruled in Emond v. Trillium Mutual Insurance Company.

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News ClaimsInsuranceLegal

New innocent co-insured law does not apply retroactively: Appeal Court

May 18, 2022 by David Gambrill

Ontario’s new innocent co-insured law does not apply retroactively to claims events that happened before the legislation was passed, the Ontario Appeal Court has ruled. The co-insured rule restricts application of insurers’ policy exclusions for criminal acts only to those

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News ClaimsInsuranceLegalMarkets / Coverages

‘Professional activities’ exclusions: Why insurers must almost always defend

April 13, 2022 by David Gambrill

Quebec’s Superior Court notes an insurer will almost always have a duty to defend an insured in disputes over policy exclusions for “professional activities.” “A review of the case law dealing with exclusion for ‘professional activities’ reveals that, in almost

News ClaimsCommercial LinesInsuranceLegal

Court raps lawyers’ conduct, as default judgment against insurer overturned

December 1, 2020 by David Gambrill

B.C.’s Court of Appeal threw out a default judgment against Lloyd’s of London Monday in a case involving the theft of golden eagles used for a charity event. In doing so, the court criticized lawyers for both the claimant and