Canadian Underwriter

Flooded out house
News CatastrophesClaimsClimate ChangeInsurance

Insurers bring Cat claims in-house: How independent adjusters adapt

February 7, 2024 Jason Contant

Some major Canadian P&C insurers are bringing claims processes in-house, arguing it results in a better customer experience, cost efficiencies and consistent claims-handling. But that doesn’t mean the end is near for independent adjusters (IAs). They see a bright future

Lithium-ion batteries are proving to be serious fire hazards
News ClaimsInsuranceLegal

Lithium-ion batteries leading to deadly fires – and lawsuits

February 5, 2024 Philip Porado

Canadian property and casualty insurers may need to review their exposure to e-scooter claims, based on fresh claims emerging in the courts. A Vancouver woman is suing several makers of e-bikes and e-scooters following an apartment fire in 2022 in

Food delivery driver in action
News BrokersClaimsInsuranceLegal

How accident claims hit rideshare drivers’ personal auto policies

January 26, 2024 Philip Porado

There seems to be a disconnect between drivers and their insurers about the ability to access personal auto coverage when driving for food delivery or rideshare companies like Uber, Lyft and others. While there’s no hard data to quantify a

Repair team in a storm damaged building
News ClaimsClimate ChangeInsurance

How reconstruction companies are improving repair timelines

January 22, 2024 Alyssa Di Sabatino

A shortage of tradespeople isn’t making it easy for the restoration industry to recover from extended repair cycle times during the pandemic. While cycle times are starting to improve, frequent NatCats and a lack of qualified talent are stretching capacity

Removing damaged drywall
News ClaimsInsurance

Can higher lodging costs cut restoration losses?

January 12, 2024 Philip Porado

Insurers looking to reduce home restoration claims costs should find ways to avoid tearing out walls, flooring, rugs, trim and other major construction components. One insurer’s launched a program to do just that. The approach will lead to a “1%

Close up of an industrial bricklayer installing bricks to build back on a construction site
News BrokersCatastrophesClaimsInsurance

Should insurers help customers build back better…or not at all?

January 4, 2024 Philip Porado

Increased severity and frequency of NatCats has Canada’s P&C insurance ecosystem seeking ways to add resilience to the claims process. This includes build back better initiatives to encourage adding things like hurricane straps or hail-resistant shingling to roof rebuilds to

female hand lighting red candle on christmas tree at christmas eve
News AdjustersClaimsInsuranceRisk

Holly, jolly claims follies

December 18, 2023 by David Gambrill

It wouldn’t be the holiday season without someone trying to ignite their house by attaching burning candles to the Christmas tree. An internet search for “crazy Christmas claims” finds insurance broker websites rife with holiday-related claims in the neighbourhood of

Bad car crash
News BrokersClaimsInsurance

Do auto clients ask for trouble by hiking deductibles?

December 15, 2023 Philip Porado

During the recent renewal cycle, many personal auto customers opted to increase their deductibles to reduce their annual premiums. Now, those decisions are leading customers who’ve been in accidents to delay pursuing claims because they don’t have enough cash on

Young African delivery man riding electric scooter and delivering food or packages.
News ClaimsInsuranceLegal

Fall risks associated with e-scooters

August 25, 2023 Brittany Sinclair, B.Sc., P.Eng. 30 Forensic Engineering

Editor’s note: This is the first of a two-part series on the biomechanics of rider falls from e-scooters. Part 2 will appear next week.   Canada’s capital is in the midst of its fourth electric scooter (or e-scooter) pilot program.

Gavel and scales of justice.
News ClaimsInsuranceLegal

Why AB claimant won’t receive additional benefits

August 1, 2023 Philip Porado

An applicant citing pain and other issues did not meet the burden of proof for an insurer to provide benefits beyond the minimum injuries guideline (MIG), adjudicator Janet Roswell wrote in a July 28, 2023 Licence Appeal Tribunal decision (Jabbour

Doctor fitting a wrist brace after a sprain
News ClaimsInsuranceLegal

Why this AB claimant couldn’t prove an inability to carry on a normal life

July 27, 2023 Philip Porado

An accident benefits claimant failed to meet the stringent non-earner benefit (NEB) test and is not entitled to ongoing benefits, adjudicator Derek Grant wrote in a July 21, 2023 Licence Appeal Tribunal decision. The claimant, Dominik Crnogorac (referred to afterwards

Person running away from a tidal wave or tsunami
News CatastrophesClaimsClimate ChangeInsurance

Can insurers and reinsurers survive looming NatCat trends?

July 21, 2023 Glenn McGillivray

One of the hallmarks of a warming world is that you never know what may come next. The reasonably stable climate of the last 100,000 years is being thrown into disarray as Earth’s systems are forced out of kilter. For