Canada: Insurance Laws and Products

The Court reversed the application judge’s decision and removed the insurer’s chosen counsel from all subrogated actions after finding that counsel’s dual role—pursuing subrogated claims in the insured’s name...

Significant changes to auto insurance in Ontario are set to take effect on July 1, 2026, through reforms to the Statutory Accident Benefits Schedule (SABS).

Most people understand the basic idea of a contingency fee arrangement: if your personal injury case succeeds, your lawyer is paid from the settlement or judgment. If the case does not succeed, the lawyer absorbs...

Dans son arrêt Emond c. Trillium Mutual Insurance Co. de janvier 2026, la Cour suprême du Canada a statué qu’une police d’assurance habitation ne couvre pas les coûts additionnels attribuables aux exigences d’un office de protection de la nature lors de la reconstruction d’une résidence à la suite d’un sinistre, et ce, malgré l’existence d’un avenant coût de reconstruction garanti (CRG).

The Registered Insurance Brokers of Ontario has issued new guidance establishing that brokers' online activities are subject to the same professional standards as their offline conduct.

Cet aperçu présente les derniers développements réglementaires aux niveaux fédéral et provincial, notamment l’évolution des directives prudentielles du BSIF, les priorités du CCRRA en matière de surveillance des réseaux de distribution, le projet d’octroi de permis restreint de la Colombie-Britannique pour la vente d’assurance accessoire, ainsi que les attentes de l’AMF concernant la conformité au Québec.

Property insurance policies often contain same site clauses that restrict replacement cost coverage to rebuilding at the exact original location. When zoning changes, land use restrictions, or lease complications make rebuilding impossible, property owners and tenants may face significant financial shortfalls unless they secure a same site deletion endorsement.

A tax opinion may confirm that a filing position is defensible, but does it address how that structure will perform when the Canada Revenue Agency challenges it? This analysis examines the gap between implementation support and dispute readiness, exploring what remains unanswered after the opinion is delivered and why multiple participants may assess different aspects without evaluating the structure outside the implementation frame.

The Supreme Court of Canada has recognized a novel intentional tort of intimate partner violence, fundamentally changing how coercive and controlling conduct in relationships is addressed under Canadian law. This landmark decision introduces a pattern-based approach that extends beyond traditional assault and battery claims, creating significant implications for liability insurers navigating policy exclusions and coverage disputes. As this new tort evolves beyond family law contexts into workplace harassmen