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.

Continue Reading...

An application for summary judgment by an insurer seeking dismissal of two related motor vehicle actions was dismissed on the basis the insurer had not met the onus of showing there was no genuine issue for trial.

Sobolewski v. Aviva Canada Inc., [2013] O.J. No. 3155, July 5, 2013, Ontario Superior Court of Justice, R.A. Lococo J.

Continue Reading...

The insurer denied coverage for a fire that substantially destroyed its insured’s building on the basis the insured’s principal deliberately set the fire. Action by the insured against the insurer allowed because the insurer did not meet the burden of proof necessary to establish that the fire was deliberately set by the insured’s agent.

Number 216 Holdings Ltd. v. Intact Insurance Co., [2013] B.C.J. No 1549, July 17, 2013, British Columbia Supreme Court, S.A. Griffin J.

Continue Reading...

Action in negligence against a broker for failure to insure the plaintiff's excavator. The action was dismissed because the broker was found to have met the standard of care by advising the plaintiff of the need to provide specific information for the excavator to be insured. The plaintiff failed to provide the information and the court found the plaintiff understood the risks associated with that decision.

Colangelo Niagara Inc. v. York Fire & Casualty Insurance Co., [2013] O.J. No. 1964, April 29, 2013, Ontario Superior Court of Justice, M.N. Varpio J.

Continue Reading...

An insurer will be responsible for paying administrative fees associated with damage caused by an insured

Insured was liable to pay a 10% administrative fee levied by Nova Scotia Department of Transportation and Infrastructure Renewal for the repair of a culvert damaged by motor vehicle driven by an employee of the insured.

Nova Scotia (Attorney General) v. Jacques Home Town Dry Cleaners, [2013] N.S.J. No. 4, January 3, 2013, Nova Scotia Court of Appeal, J.W.S. Saunders, L.L. Oland and J.E. Fichaud JJ.A.

Continue Reading...

Strict proof of business loss may not be required when the insured peril destroys documentation

When the particulars of a loss are destroyed by the insured peril the court will be more sympathetic to the insured when determing the quantum of the loss

Visual Design Consultants Inc. v. Royal and Sun Alliance Insurance Co. of Canada, [2012] N.S.J. No. 682, December 18, 2012, Nova Scotia Supreme Court, R.W. Wright J.

Continue Reading...

Coverage will not be granted where the loss incurred is due to unsuitable packing of goods being shipped

The Federal Court of Appeal held that the Federal Court erred in holding that the insured bore the onus of proving that damage to goods being transported was a fortuitous loss, but nevertheless dismissed the appeal on the basis that the loss was excluded by an exclusion for insufficient or unsuitable packing of the goods being shipped.

Feuiltault Solution Systems Inc. v. Zurich Canada, [2012] F.C.J. No. 1036, July 30, 2012, Federal Court of Appeal, Létourneau, Pelletier and Mainville JJ.A.

Continue Reading...

An insured must establish the date that damage occurred to claim benefits under an insurance policy

The claim by the owner ("Lupastin") of a trailer for insurance coverage for damage to the roof of the trailer caused by a storm was dismissed where the court found that Lupastin could not establish the damage took place during the time the trailer was insured by the Saskatchewan Government Insurance ("SGI").

Lupastin v. Saskatchewan Government Insurance [2012] S.J. No. 443, July 23, 2012, Saskatchewan Provincial Court (Civil Division), M.J. Hinds Prov. Ct. J.

Continue Reading...

Allegations against an owner of a property may not trigger coverage under a tenant's policy

The appeal by 1540039 Ontario Ltd (the "Plaza Owner") from the dismissal of its application for a declaration that its tenant's insurer had a duty to defend was dismissed where the court found that the claim of negligence arose out of the Plaza Owner's conduct as owner of the property, not as landlord.

1540039 Ontario Ltd. v. Farmers' Mutual Insurance Co. (Lindsay), [2012] O.J. No. 1380, March 30, 2012, Ontario Court of Appeal, K.N. Feldman, A. Hoy JJ.A. and J.M. Spence J. (ad hoc)

Continue Reading...

An insured may be entitled to punitive damages if her insured unsuccessfully attempts to breach her for impaired driving

A plaintiff was successful in seeking a declaration that she was entitled to coverage on the basis that her motor vehicle insurer had not established she was impaired at the time of the accident and she was awarded punitive damages for the insurer’s bad faith conduct with respect to the claim.

McDonald v. Insurance Corp. of British Columbia, [2012] B.C.J. No. 372, February 24, 2012, British Columbia Supreme Court, S.K. Ballance J.

Continue Reading...