When it comes to home insurance, the typical homeowner or
cottage owner may think that the simple statement "there's
insurance on this place" is good enough.
These folks may naively think that there will be insurance
coverage available whether the house burns down, is burglarized,
and/or if someone is seriously injured on the property.
Unfortunately, it is not that simple. Those whose careers are tied
to the insurance industry know that there are complexities and
layers to the question whether insurance coverage is indeed
available in a variety of scenarios.
Two recent cases, one from the Ontario Court of Appeal and the
other from the Superior Court of Justice, highlight some of the
nuances that exist in insurance policy language that can have
devastating consequences for those seeking compensation for injury
or those who believe that they are protected if sued for an injury
or death on a particular property. Both cases look closely at the
meaning of the terms
