Canada: Insurance Laws and Products

Alberta's Superintendent of Insurance has announced a groundbreaking policy shift that permits captive insurance companies to assume surety insurance risks through fronting arrangements with licensed traditional insurers.

When multiple drivers contribute to a collision in Ontario, understanding how shared responsibility affects your right to compensation becomes crucial.

A tax opinion may confirm that a filing position is defensible, but does it address how that structure will perform when the Canada Revenue Agency challenges it? This analysis examines the gap between implementation support and dispute readiness, exploring what remains unanswered after the opinion is delivered and why multiple participants may assess different aspects without evaluating the structure outside the implementation frame.

Self-employed individuals face unique considerations when selecting optional accident benefits under their auto insurance policies. Understanding Income Replacement Benefits (IRB)...

Income Replacement Benefits (IRB) are a crucial component of auto insurance policies that many policyholders don't fully understand until they need them.

Understanding your insurance coverage is crucial after an accident. This insight explores how to evaluate whether your current insurance policy provides adequate protection and what factors...

Recent Ontario court decisions are clarifying when plaintiffs must pay cancellation or "no-show" fees after missing medical examinations. Courts are increasingly willing to award such costs, but only when specific conditions are met and the fees are deemed reasonable based on factors like examination type, length, and supporting evidence.

If your organization has been considering captive insurance lately, you’re part of a bigger trend. Even as parts of the insurance market begin to soften—with more competition and, in some lines...

Recent Ontario decisions continue to clarify when a court may require a plaintiff to pay cancellation or "no show" fees after failing to attend a medical examination. Recent case law suggests Courts are increasingly willing to award such costs, provided certain conditions are met.