ArticleWhen A Spouse Is Not A SpousePrior to moving in together, the couple maintained separate residences and spent the weekends together, usually at Mr. Zorony's home.CanadaFamily and MatrimonialMiller Thomson
ArticleNew Developments On CMHC Mortgage Loan Insurance And 30 Year Amortization MortgageYoung Canadian buyers are struggling to enter the housing market with such high housing prices and the inability to make up a 20% down payment for the purchase. In an effort to tackle this, as of August 1, 2024.CanadaFinance and BankingSorbara Law
ArticleCaution – Reform Ahead For Newfoundland And Labrador Automobile InsuranceThe amendments make reference to the "regulations", but at this stage companion regulations have not been released.CanadaInsuranceStewart McKelvey
ArticleFlurries With A Chance Of Slip And Falls: Best Practices For Business Owners To Avoid LiabilityThe presence of ice during the winter in New Brunswick is not unusual. Neither are slip and falls. Every year, business owners run the risk that an individual might slip and fall on their property...CanadaInsuranceCox & Palmer
ArticleHighlights From The Ontario Budget For Insurers And Personal Injury LawyersOn April 11, 2019, the Government of Ontario released its provincial budget which contained a Blueprint for Ontario's Auto Insurance System.CanadaInsuranceBorden Ladner Gervais LLP
ArticleOntario Court Of Appeal Holds Ransomware Endorsement Applies To All LossesIn 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.CanadaInsuranceGardiner Roberts LLP
ArticleProtect Your Practice Part 1: Regulatory InvestigationsProfessional regulators are organizations that regulate professions, usually under the authority of legislation which provides jurisdiction and powers to enforce their governing legislation.CanadaComplianceRosen Sunshine LLP
ArticleCare Home Insurers Add "Contagious Disease Exclusion Endorsement" To Limit COVID-19 LossesAs the pandemic unfolds, long term care and similar health organizations are facing new liability exposure.CanadaCoronavirus (COVID-19)CLC (Canadian Litigation Counsel)
ArticlePersonal Planning During A PandemicMany provinces and territories are starting to re-open after months of lockdown due to the COVID-19 pandemic. Unfortunately, with increased activity comes increased risk of injury...CanadaCoronavirus (COVID-19)Miller Thomson
ArticleBetter Late Than Never? Not So For Directors' And Officers' Liability CoverageDirectors and officers facing liability claims, including investigations and enforcement proceedings, must pay careful attention to the notice provisions of their directors' and officers' (D&O) liability coverage...CanadaCorporate/Commercial LawDavies Ward Phillips & Vineberg LLP
ArticleProviding Enforceability OpinionsIn Ontario, the question of whether in-house counsel can provide enforceability opinions in the context of loan and purchase transactions is both a legal and practical matter...CanadaCorporate/Commercial LawGardiner Roberts LLP
ArticleBenefits Update: OHIP+ And Employment Insurance Act ChangesAs discussed in an earlier post, effective January 1, 2018, the Ontario liberal government introduced OHIP+. OHIP+ is a program that covers the cost of more than 4400 drug products.CanadaEmployment and HRMiller Thomson
ArticleCase Note: On Benefit Reduction Class ActionsIn O’Neill v General Motors of Canada Ltd., 2013 ONSC 4654, a motion for partial summary judgment was granted in a class action by retired employees of GM after their health care and life insurance benefits were substantially reduced to offset GM’s financial difficulties.CanadaEmployment and HRNorton Rose Fulbright Canada LLP
ArticleIt's All In The Fine Print: Will Your Fiduciary Insurance Cover You When You Need It?Will that insurer your company has been paying premiums to for all of these years stand behind you if you are sued for ERISA violations?CanadaEmployment and HROsler, Hoskin & Harcourt LLP
ArticleOntario Releases Final Regulations Re Pension Division On Marriage BreakdownOn June 24, 2011, the Ontario government published final regulations governing the division of pensions on marriage breakdown. CanadaEmployment and HROsler, Hoskin & Harcourt LLP
ArticleLessons From DaggThe recent decision of the Ontario Court of Appeal in Dagg v. Cameron Estate, 2017 ONCA 366 contains important lessons for family and estates lawyers, mediators and financial advisors.CanadaFamily and MatrimonialTorkin Manes LLP
ArticleLife Insurance: An Important Element In The Estate Planning ToolkitToo often, we view estate planning as a visit to the lawyer’s office to sign a new will once every 15 years or so. CanadaFamily and MatrimonialMcLennan Ross LLP
ArticleBroad Support For Infrastructure Investments In Canada: New OSFI Capital Adequacy Guidelines For Life InsurersThe Office of the Superintendent of Financial Institutions (OSFI) has announced immediate changes to the Life Insurance Capital Adequacy Test (LICAT) Guideline...CanadaFinance and BankingDentons Canada LLP
ArticleDistribution Of Financial Products And Services: Minister Of Finance Recommends Changes In The Regulatory Framework For Insurance And Mutual Funds In QuébecOn June 16, 2015, the minister of finance (Québec) (the "minister") published a report on the application of the Act respecting the distribution of financial products and services (the "Report"). CanadaFinance and BankingGowling WLG