Plaintiff's claim against defendant insurance brokers dismissed on basis that plaintiff adduced no expert evidence of standard of care and there was sufficient insurance available to plaintiff.

Midas Investment Corp. v. Dominion of Canada General Insurance Co., [2013] O.J. No. 3403, July 22, 2013, Ontario Superior Court of Justice, K.E. Swinton J.

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Summary trial application by the beneficiaries of a life insurance policy for judgment against the insurer and broker. The insurer and broker also brought summary trial applications for a dismissal of the action. The Court granted the insurer's and broker's applications because the insured failed to disclose material information at the time of reinstatement. Accordingly, the insurer was justified in voiding the policy.

Branch v. Empire Life Insurance Co., [2013] B.C.J. NO. 1386, June 26, 2013, British Columbia Supreme Court, L.D. Russell J.

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In action by injured driver against his insurance broker, a pleading in the statement of defence that 90% of Ontario motorists have only $1,000,000 in third party liability/family endorsement coverage was struck on the basis that it did not assist the trier of fact in determining what this plaintiff did and whether he was offered more insurance coverage.

Trottier v. Beauchamp, [2013] O.J. No. 2379, May 24, 2013, Ontario Superior Court of Justice, L.L. Gauthier J.

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Application by the insured for reimbursement of legal fees it incurred defending Human Rights Tribunal proceedings. The insured had a "claims made and reported" insurance policy,  and notice of all claims was required no later than 30 days after termination of the policy period. The renewal form completed by the insured for the following year mentioned the Human Rights Tribunal proceedings but a formal claim for coverage was not made until after the 30 day deadline. The insured's application was dismissed because no effective claim was made within the claim period.

Peel Law Assn. v. Royal & Sun Alliance Insurance Co. of Canada, [2013] O.J. No. 1844, April 24, 2013, Ontario Superior Court of Justice, M. Donohue J.

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There is no statutory duty obligation a broker to offer an insured optional income replacement benefits

A claim against an insurance broker for the failure to advise about optional coverage. The action was dismissed.

Godina v. Tripemco Burlington Insurance Group Ltd., [2013] O.J. No. 613, February 12, 2013, Ontario Superior Court of Justice, R.B. Reid J.

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An insurer may have an obligation to defend a claim after it's limits have been exhausted

Application for a declaration that pursuant to the Insurance Act, R.S.O. 1990, c. 1.8 and Ontario’s Standard Automobile Policy (“SAP”) the insurer had no obligation to defend its insured against a claim after paying its policy limits to the plaintiff. The application was dismissed and the insurer was ordered to continue to bear the cost of defending the insured.

Jevco Insurance Co. v. Malaviya, [2013] O.J. No. 394, January 29, 2013, Ontario Superior Court of Justice, E.M. Morgan J.

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A broker has an obligation to advise an insured of potential lapses in coverage

The appeal by an insurance broker ("Meadow-North") from a decision finding it negligent for failing to advise an insured ("Cheecham") with respect to gaps in coverage for a rental property was dismissed where the court upheld the trial judge's decision that the broker should have drawn attention to the vacant vandalism exception as part of its duty to provide counsel and advice.

Meadow-North Agencies Ltd. v. Cheecham, [2012] S.J. No. 762, December 12, 2012, Saskatchewan Court of Appeal, S.J. Cameron, G.R. Jackson and R.G. Richards JJ.A.

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Sophisticated parties will be deemed to have knowledge of common insurance terms

Parties are presumed to be acquainted with statutory definitions of a common insurance term for the purposes of contractual interpretation where the parties are engaged in the insurance industry. In interpreting an insurance contract, the Court will consider the plain meaning of the phrase in the context of the agreement as a whole and in light of the factual matrix that existed at the time of the parties, including the relevant facts that the parties are taken to have known.

National Home Warranty Programs Ltd. v. Wylie-Crump Ltd., [2012] B.C.J. No. 2011, September 28, 2012, British Columbia Supreme Court, D.J. Dardi J.

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A broker must advise an insured of potential lapses in coverage

No coverage for an insured whose property was vandalized while it was vacant due to a vacancy clause. However, the insured was successful in an action against his agent.

Newbigging v. M. Butler Insurance Brokers Ltd. [2012] O.J. No. 4270, September 13, 2012, Ontario Superior Court of Justice, T. Maddalena J.

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Insurers and brokers may not owe a duty to a third party to ensure that the insured is the owner of the vehicle

Two insurance companies and an insurance broker were found not to owe a duty to the actual owner of a vehicle to investigate the ownership of a vehicle when approving or issuing an application for insurance.

Barzo v. Chrysler Financial Services Inc., [2011] O.J. No. 5874, December 21, 2011, Ontario Superior Court of Justice, J. Mackinnon J.

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