Canada: Insurance

Property insurance policies often contain same site clauses that restrict replacement cost coverage to rebuilding at the exact original location. When zoning changes, land use restrictions, or lease complications make rebuilding impossible, property owners and tenants may face significant financial shortfalls unless they secure a same site deletion endorsement.

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...

The Supreme Court of Canada has recognized a novel intentional tort of intimate partner violence, fundamentally changing how coercive and controlling conduct in relationships is addressed under Canadian law. This landmark decision introduces a pattern-based approach that extends beyond traditional assault and battery claims, creating significant implications for liability insurers navigating policy exclusions and coverage disputes. As this new tort evolves beyond family law contexts into workplace harassmen