Exclusion clause held not to cover certain claims arising out of negligence, as a consequence of the specific wording in the clause

13. June 2023 0
Insurance law – Commercial general liability insurance – Exclusions – Interpretation of policy – Duty to defend – Practice – Pleadings – Class actions Aviva Insurance Co. of Canada v. 8262900 Canada Inc. (c.o.b. Carepartners/Community Nursing Services Foundation), [2023] O.J. No. 2041, 2023 ONSC 2641, Ontario Superior Court of Justice, May 1, 2023, M. Koehnen ...

Dirt biker entitled to accident benefits from auto insurer where bike is not exempt from insurance requirements

10. January 2023 0
Insurance law – Automobile insurance – Automobile, definition – Statutory provisions [interpretation] – Appeals Beaudin v. Travelers Insurance Co. of Canada, [2022] O.J. No. 5102, 2022 ONCA 806, Ontario Court of Appeal, November 23, 2022, E.E. Gillese, B. Miller and S.A. Coroza JJ.A. The insured was riding a dirt bike in a closed course competition ...

No coverage for claim that was reasonably foreseeable prior to inception of claims made policy

10. January 2023 0
Insurance law – Liability insurance – Wrongful acts – Exclusions – Occurrence vs. claims-based policy Colliers International Group Inc. v. Liberty Mutual Insurance Co., [2022] O.J. No. 4801, 2022 ONSC 6184, Ontario Superior Court of Justice, November 1, 2022, F.L. Myers J. The insured sought indemnity under a claims made professional liability policy. The insurer ...

Foreclosure and ordered sale of a property does not extinguish insurable interest until title transfers in full

23. December 2021 0
Insurance law – Property insurance – Insurable interest – Practice – Summary judgments Angleland Holdings Inc. v. Lloyd’s Underwriters, [2021] B.C.J. No. 2234, 2021 BCSC 2019, British Columbia Supreme Court, October 15, 2021, D.W. Thompson J. This was a summary trial on the sole issue of whether the insured had an insurable interest in a ...

Car rental company’s policy applies in priority over employer’s non-owned policy in car accident injury case in BC

08. June 2021 0
Insurance law – Automobile insurance – Lessors and lessees – Priority coverage – Multiple policies – Owner – Obligation – Statutory provisions – Interpretation of policy Northbridge Insurance Corporation v. Trinidad Drilling Ltd., [2021] B.C.J. No. 956, 2021 BCSC 836, British Columbia Supreme Court, May 3, 2021, A.D. Francis J. After a collision by an ...

Having your cake but not eating it – how entitlement to future insurance benefits can lead to a big deduction from a trial award

13. October 2020 0
A plaintiff who established at trial that car accidents caused permanent disability and ongoing need for future care has a significant deduction made to her trial award for a portion of the future wage loss and medical benefits that she was entitled to receive from the insurer Insurance law – Automobile insurance – Statutory Accident ...

Consider the words of the claim when contemplating coverage

13. October 2020 0
Where the only claim set out in a Statement of Claim is for an excluded loss, the insurer does not have a duty to defend Insurance law – Commercial general liability insurance – Duty to defend – Exclusions – Contra proferentum rule – Interpretation of policy – Insurer – Rights, duties and liabilities – Practice ...

While an acid spill may destroy hundreds of vehicles, it does not follow that hundreds of subrogation claims are necessary or desirable

09. June 2020 0
Insurance law – Automobile insurance – Actions – Subrogation – Right of insurer to subrogation – Practice – Summary judgments Insurance Corp. of British Columbia v. Teck Metals Ltd., [2020] B.C.J. No. 295, 2020 BCSC 259, British Columbia Supreme Court, February 26, 2020, W.P. Riley J. The plaintiff insurers applied for an order allowing each ...