MT Insurance Law Blog

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Miller Thomson Blogs put a more conversational lens on Canadian law. See the diverse perspectives of our lawyers here.

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Case Commentary: Provost v. Dueck Downtown Chevrolet Buick GMC Limited, 2020 BCCA 86

March 30, 2020 | Karen L. Weslowski, Stefanie Gladders

A recent case issued by the British Columbia Court of Appeal provides guidance regarding the duty of care owed by business owners and confirmed the principles with respect to the determination of a novel duty of care. A GM Sierra...


Validity of builder lien claims

March 20, 2020 | Karen L. Weslowski, Raman Atwal

JVD Installations Inc. v. Skookum Creek Power Partnership, 2020 BCSC 374 On March 13, 2020, the Supreme Court of British Columbia released its decision in JVD Installations Inc. v. Skookum Creek Power Partnership, 2020 BCSC 374. This decision discussed and...


Negotiating terms beyond standard forms

March 4, 2020 | Karen L. Weslowski, Stefanie Gladders

A recent decision of the British Columbia Supreme Court (Surespan Structures Ltd. v. Lloyds Underwriters, 2020 BCSC 27) confirms that when insurance companies negotiate the terms of a policy beyond their standard forms or precedents, they must beware of failing to...


Clarity in Claims against Adjusters in their Personal Capacity

December 13, 2019 | Helen D.K. Friedman

A recent decision of Justice Perell (Burns v. RBC Life Insurance Co., 2019 ONSC 6977) provides some welcome clarity on the issues of whether insurance adjusters owe a duty of good faith to an insured independent of any duty owed...


Pre-judgment Interest on General Damages

December 10, 2019 | Chris T.J. Blom

In 2015 the Ontario Insurance Act, R.S.O. 1990 c.C.18 was amended to provide that Rule 53.10 of the Rules of Civil Procedure, R.R.O. 1990, which calls for pre-judgment interest at 5%, no longer applies to cases involving car accidents. The...


No Jurisdiction at the LAT for Arbitration Proceedings: Commenced but not Completed at FSCO

September 10, 2019 | Helen D.K. Friedman

The transition of the forum for Statutory Accident Benefits disputes from the Financial Services Commission of Ontario (“FSCO”) to the Licence Appeal Tribunal (the “LAT”), effective April 1, 2016, was not as seamless as anticipated and continues to be the...


Commercial Transactions and All-Risks Coverage

July 31, 2019 | Chris T.J. Blom

How can a commercial transaction be the subject of indemnity under an all-risks policy? In Heart Zap Services Inc. v. Lloyd’s Underwriters, 2019 ONSC 3667 the plaintiff, Heart Zap Services Inc., received an order from Dr. Thomas Hardy for 25...


The Worth of “Diminished Value” Claims in Ontario – Update

May 28, 2019 | Helen D.K. Friedman

In past blogs,[1] my colleague, Patricia Forte, has tracked the case law on the state of “diminished value” claims in Ontario.  A recent Superior Court case, Zheng v. Certas Home and Auto Insurance Co.,[2] provides further insight as to the...


Demetriou v. AIG: The Burden of Proof and the Requirement to Plead Fraud

February 19, 2019 | Michael Prosia

Mr. Demetriou had a family heirloom ring appraised.  It was worth $550,000.  He insured the ring against theft with AIG Insurance Company of Canada (“AIG”) in July 2015, and was to pay an annual premium of over $10,000.  A few...


Umbrella Insurance Policies: Should you have one?

February 12, 2019 | Theodore J. Madison

What is Umbrella Insurance? Personal umbrella insurance is a type of insurance policy designed to add extra liability coverage over and above another insurance policy, such as auto, boat, or homeowners. The extra coverage applies when the liability limits of...


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The blog sets out a variety of materials relating to the law to be used for educational and non-commercial purposes only; the author(s) of the blog do not intend the blog to be a source of legal advice. Please retain and seek the advice of a lawyer and use your own good judgement before choosing to act on any information included in the blog. If you choose to rely on the materials, you do so entirely at your own risk.