What Does IRB Stand For In My Policy? (Video)

Ontario is implementing major changes to auto insurance accident benefits starting July 1, 2026, shifting most coverage from mandatory to optional. Income replacement, caregiver benefits...

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.

The Government of British Columbia has published the Restricted Insurance Agent Licence Regulation, introducing a new restricted licensing framework...

Ontario's Financial Services Regulatory Authority has issued a warning about unlicensed businesses selling Guaranteed Asset Protection (GAP) insurance through vehicle dealerships, leaving consumers potentially unprotected despite paying hundreds of dollars for coverage. The regulatory body has identified cases where GAP products reference insurers that never actually underwrote the policies, and is now taking enforcement action against violators while monitoring the market for compliance with licensing requ

If you put winter tires on your car this winter, your insurance company owes you a discount. The announcement was made by the Ontario government on October 14, 2015. As of January 1, 2016, all insurance companies operating in Ontario are required to provide a discount to their policyholders using winter tires. The announcement was made by the Ontario government on October 14, 2015. As of January 1, 2016, all insurance companies operating in Ontario are required to provide a discount to their

On December 18, 2025, the Government of British Columbia introduced the long-awaited restricted licensing framework ("Framework") for businesses that sell insurance products incidental to their primary business activities, such as add-on insurance offered in connection with the sale of vehicles or electronics.

Canada's Department of Finance has released draft regulations that could transform how federally regulated insurers invest in and partner with insurtechs. The proposed framework would allow insurers to acquire control of businesses deriving at least 60% of revenue from financial services activities, potentially opening new capital and partnership opportunities for technology-focused insurance companies.

The Ontario Ministry of Finance (MOF) is proposing to amend the Insurance Act to introduce a new licensing framework to regulate life and health (L&H) managing general agents (MGAs) in the province.

On December 18, 2025, the Government of British Columbia announced a new restricted licencing framework for businesses that sell incidental or add-on insurance products, with the framework taking effect on January 1, 2027.

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.

If you put winter tires on your car this winter, your insurance company owes you a discount. The announcement was made by the Ontario government on October 14, 2015. As of January 1, 2016, all insurance companies operating in Ontario are required to provide a discount to their policyholders using winter tires. The announcement was made by the Ontario government on October 14, 2015. As of January 1, 2016, all insurance companies operating in Ontario are required to provide a discount to their

Effective January 1, 2026, Ontario introduced new standards that change the requirements on how jobs are posted, how candidates are kept informed...

A question that often arises in civil sexual assault proceedings is how to gain access to evidence collected for the purpose of a related criminal proceeding.

Law360 Canada (July 29, 2025, 10:01 AM EDT) -- In November 2022, Ontario introduced asignificant shift in municipal governance through amendments to the Municipal Act, 2001, empowering select mayors with new executive authorities known as strong mayor powers.

On May 1, 2026, the Ontario Labour Relations Board (OLRB) issued its remedy decision in Braganza v. Randstad Canada (LRB Case No. 1768-23-UR), awarding a self-represented applicant $195,833.26 in compensation following a finding of reprisal under section 50 of the Occupational Health and Safety Act (OHSA).

For many people in Ontario family court, the first case conference can feel uncertain. You may wonder whether anything meaningful can happen at this early stage, especially if disclosure is missing, support is needed, or temporary arrangements are required. While a case conference is not a trial, it can still be an important step in getting the case organized and moving forward.

Navigating the 2L law school recruitment process can feel overwhelming, but understanding what to expect at each stage—from summer coffee chats and brief OCI interviews to intensive in-firm interview weeks—can transform anxiety into confidence. Drawing from personal experience at Lerners LLP, this guide reveals how preparation, authenticity, and strategic relationship-building lead to recruitment success and finding the right firm fit.

The Court of Appeal for Ontario’s decision in Heegsma v. Hamilton (City)[1] is the latest in a series of cases considering the legality of municipal bylaws and their enforcement in relation to encampments by unhoused individuals.

Questions about a person's mental capacity often arise at some of the most difficult moments in a family's life. Adult children may be worried about an aging parent's finances or personal care. Siblings may disagree about whether a parent understood a new will or power of attorney.

The Supreme Court of Canada has established a new tort for intimate partner violence, extending legal recognition beyond physical abuse to include psychological control, financial manipulation, and other coercive tactics. Understanding who can sue, what conduct qualifies, and how courts will assess damages is essential for anyone navigating this emerging area of law.