Shifting Climate Change Risks Will Force Insurers To Adapt

When an insurance company denies your motor vehicle accident claim or offers a settlement that seems inadequate, understanding your legal options becomes critical. Alberta drivers facing claim disputes need to know whether they must accept the insurer's decision, what evidence can strengthen their position, and when legal representation may help secure fair compensation for injuries and losses.

Premium credit cards often include rental car insurance, but many Canadians misunderstand what this coverage actually protects. While collision damage waivers may cover the rental vehicle itself, they typically exclude liability for injuries to others, personal belongings, and certain vehicle types. Understanding these limitations before declining the rental company's insurance can prevent costly surprises after an accident.

Ontario's 2026 auto insurance reforms converted most accident benefits from mandatory to optional coverage, creating significant gaps in protection for pedestrians, cyclists, and unlisted drivers. Understanding these changes and taking proactive steps before your policy renewal could mean the difference between comprehensive coverage and devastating financial exposure after an accident.

When purchasing property insurance, many property owners focus on the insured value of their building—but an equally important question is: How much would it actually cost to rebuild if it were destroyed? This is known as your Replacement Cost Value (RCV).

As wildfires become increasingly severe across Canada, understanding your insurance coverage and taking preventive measures can mean the difference between adequate compensation and devastating financial loss. Learn the critical steps to protect your property, avoid common claim pitfalls, and ensure your broker has properly covered you for full replacement costs.

An Alberta court examines whether property insurers must replace all exterior siding when hail damages only portions of a home, but sun-bleached existing materials create permanent, visible color mismatches that affect property value. The decision clarifies when partial repairs fail to meet policy requirements for restoration with property of like kind and quality.

Insurance policies are often viewed as some of the most difficult contracts to read. To many policyholders, they can feel dense, technical, and full of cross-references that seem to send the reader in circles.

Summer involves adventure and travel, and for many, that includes renting a car. What most people don’t realize is how big a role insurance coverage plays if a motor vehicle collision happens. Renters often drive without fully understanding their existing coverage or what additional coverage they may need.

On July 1, we once again celebrated Canada Day, a statutory holiday across the country that commemorates the unification in 1867 of the colonies of Nova Scotia, New Brunswick, and the Province of Canada into a single country called the Dominion of Canada.

The Ontario Superior Court has ruled that fees received by insurers for surety products written in Ontario are subject to the 3% premium tax under the Corporations Tax Act. This decision clarifies the tax treatment of surety bonds by interpreting ambiguous statutory language through reference to federal Income Tax Act provisions and legislative history. Insurers licensed to write surety business in Ontario should review their premium-tax reporting practices in light of this ruling.

This weekly summary provides comprehensive analysis of civil law decisions from the Ontario Court of Appeal for August 31 to September 4, 2026. The featured cases examine critical issues including distribution orders in investment fraud cases, purchase money resulting trusts, and the enforceability of temporary lay-off clauses in employment agreements.

Canada's proposed Bill C-36 would fundamentally transform private-sector privacy law by replacing PIPEDA with the Protecting Privacy and Consumer Data Act. Organizations face stricter data collection tests, new consent exceptions, explicit AI governance rules, and penalties reaching $25 million or 5% of global revenue for knowing violations.

The Ontario Court of Appeal examines whether provincial legislation that retroactively extinguished civil claims and designated land within the Greenbelt violates the constitutional core jurisdiction of superior courts under section 96 of the Constitution Act, 1867. The majority and dissent offer sharply contrasting views on the limits of legislative power to immunize public officials from misfeasance claims and predetermine litigation outcomes.

This comprehensive weekly summary provides detailed analysis of civil law decisions from the Ontario Court of Appeal for August 17-21, 2026, covering critical issues in solicitor-client privilege, international child abduction, and procedural matters. The summaries examine landmark rulings on the crime-fraud exception to privilege in civil fraud cases and the application of grave risk of harm exceptions under the Hague Convention.

This comprehensive weekly summary analyzes five significant Ontario Court of Appeal decisions from August 10-14, 2026, covering constitutional challenges to bike lane removal legislation, limitation periods for third-party claims, class action settlement disclosure rules, constructive dismissal damages, and vexatious litigant declarations. Each case summary includes detailed analysis of legal principles, procedural issues, and practical implications for practitioners.

The Ontario Court of Appeal has delivered a landmark decision clarifying how termination provisions in employment contracts should be interpreted, particularly addressing whether phrases...

The Ontario Court of Appeal released multiple significant decisions during the week of August 3-7, 2026, addressing critical issues in employment law, medical malpractice, defamation, and property law. Notable rulings clarified the enforceability of termination provisions in employment contracts, particularly regarding "at any time" clauses and their consistency with Employment Standards Act minimum requirements, while also examining RSU entitlements and the application of statutory notice provisions.

The Supreme Court of Canada has issued its first comprehensive statement on the doctrine of spoliation since 1896, in SS&C v. BNY Mellon, 2026 SCC 29 an appeal arising from a seventeen-year data-licensing dispute between a data provider (SS&C) and a global custodial bank (BNY Mellon).

The Ontario Court of Appeal released summaries of civil decisions for the week of July 27, 2026, covering diverse legal matters including will rectification, employment classification disputes, condominium oppression claims, insurance coverage issues, and family law proceedings. These cases address fundamental questions about testamentary intent, the distinction between employees and independent contractors, corporate liability principles, and procedural fairness in litigation.

Ontario has launched a major overhaul of its Provincial Nominee Program, consolidating eight immigration streams into four and introducing the new Ontario Workforce Priority Stream with updated eligibility requirements. The changes expand access to workers across all skill levels while implementing stricter employer compliance measures and a redesigned Expression of Interest scoring system that prioritizes labour market integration factors.