The policy is the sum of all its parts

11. August 2020 0
Insurance law – Commercial general liability insurance – Duty to defend – Exclusions – Interpretation of policy – Insurer – Rights, duties and liabilities – Practice – Appeals Intact Insurance Co. v. Clauson Cold & Cooler Ltd., [2020] A.J. No. 491, 2020 ABCA 161, Alberta Court of Appeal, April 28, 2020, F.L. Schutz, R. Khullar ...

Beware of special costs when denying insurance coverage

11. August 2020 0
Insurance law – Medical travel insurance – Breach of good faith – Damages – Special damages – Punitive damages – Costs – Special and increased costs Stewart v. Lloyd’s Underwriters, [2020] B.C.J. No. 722, 2020 BCSC 669, British Columbia Supreme Court, April 30, 2020, B.J. Norell J. The insurer was found to have wrongfully denied ...

Not a moment too soon

10. December 2019 0
A pedestrian was covered under her spouse’s employer’s motor vehicle insurance policy as the motor vehicle was available to the spouse’s use at the time of the accident. Insurance law – Automobile insurance – Statutory Accident Benefits – Interpretation of policy – Uninsured motorist – Practice – Appeals Murphy v. Savoie, [2019] O.J. No. 5004, 2019 ONCA 784, Ontario ...

You’re only responsible for what you know

10. December 2019 0
Insurer not estopped from denying coverage when it acted soon after obtaining new information and there was no prejudice to insured. Insurance law – Automobile insurance – Statutory provisions – Impaired driver – Breach of policy – Estoppel – Practice – Appeals – Discovery Bradfield v. Royal Sun Alliance Insurance Co. of Canada, [2019] O.J. No. ...

It’s the same wherever you go

10. December 2019 0
An ATV and a dirt bike involved in accidents outside of Ontario were considered automobiles within the meaning of the provisions for statutory accident benefits under Ontario legislation. Insurance law – Automobile insurance – Statutory Accident Benefits – Uninsured motorist – Automobile, definition – Interprovincial issues – Practice – Appeals Benson v. Belair Insurance Co., [2019] O.J. No. 5437, 2019 ONCA 840, ...

It does not help to have an “a-ha!” moment too late

10. September 2019 0
The insured’s claim for property damage was excluded from coverage by the policy’s illegal drug operations exclusion. Insurance law – Property insurance – Exclusions – Illegal acts – Landlord and tenant – Actions – Limitation of actions – Practice – Summary judgments Lafferty v. Co-Operators General Insurance Co., [2019] A.J. No. 907, 2019 ABQB 515, Alberta ...

The amount owed by the insured for failing to supply a product pursuant to a contract was not covered under the business interruption coverage

11. June 2019 0
Insurance law – Business interruption insurance – Exclusions – Rights and duties of insured – Practice – Summary judgments Cancarb Ltd. v. Ace Ina Insurance, [2019] A.J. No. 449, 2019 ABQB 258, Alberta Court of Queen’s Bench, April 12, 2019, Master J.T. Prowse The insured operated a steam turbine and sold electric power to a ...