Canada: Insurance

In the recent decision of Emond v. Trillium Mutual Insurance Co., 2026 SCC 3, the Supreme Court of Canada provided important guidance for homeowners and insurers on interpreting home insurance policies, especially with respect to endorsements. Insurance endorsements are often called “riders,” and change the coverage available under an insurance policy, often to add additional coverage.

Let’s be honest: reviewing your finances isn’t at the top of anyone’s to-do list. If you work in a law firm, as an assistant, administrator, or business professional, you likely spend your days...

First, there is the illness or injury itself. Then there is the letter from the insurer telling you that the benefits you were counting on will not be paid, at least not yet.