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In Panasonic Canada Inc. v. XL Specialty Insurance Company, 2026 ONCA 633 (September 9, 2026), the Ontario Court of Appeal reversed a lower court ruling and held that a ransomware sublimit endorsement, with its higher self-insured retention, applied to an insured’s cyber-incident claim, even though the insured had framed its claim exclusively under the base policy’s general coverage grants.