Insurance
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September 17, 2025
Reducing the ‘strikingly high’ commissions of auto brokers in Alberta: Another key to affordability
Two months ago, we explored how unrestrained auto body insurance fraud, evidenced by nine out of 10 hidden cameras and other indicators across Canada, likely impacts auto insurance affordability here in Alberta. This article recognizes another area of auto insurance that could use some serious reform: auto insurance broker regulation.
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September 17, 2025
The future of estate law: Human AI prompts for the protection of creative legacies
“Non omnis moriar” (Not all of me will die) — Charles Jennens (1773)
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September 16, 2025
Justice of the chocolate-y kind
Canada’s rich history with chocolate extends beyond its culinary appeal to include a fascinating intersection with legal frameworks. As the country continues to innovate and expand its chocolate industry, various legal themes emerge that shape the production, distribution and consumption of this beloved treat.
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September 12, 2025
LSO advises real estate lawyers of new AML rules for title insurers
Ontario’s legal regulator is asking real estate lawyers to be aware of new anti-money laundering requirements for title insurers starting at the beginning of next month. As of Oct. 1, title insurers across Canada will become reporting entities under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and regulated by the Financial Transactions and Reports Analysis Centre of Canada, also known as FINTRAC. Title insurance is a policy protecting property owners and lenders from financial loss due to title defects that weren’t discovered during a standard title search, such as fraudulent transfers and unpaid liens.
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September 12, 2025
AUTOMOBILE INSURANCE - Accident benefits - Death benefits - Compulsory government schemes - No fault regimes
Appeal by Umpherville from a decision of the Automobile Insurance Appeal Commission, which upheld a decision denying death benefits under the Automobile Accident Insurance Act. Umpherville’s son, Sasakamoose, died after being involved in a confrontation with the police while in a vehicle.
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September 10, 2025
Plaintiff’s family protection policy liable before defendant’s umbrella policy: court
The Ontario Court of Appeal ruled that once a vehicle owner’s $300,000 auto liability policy, which covered her daughter’s at-fault driving, was exhausted, the plaintiff’s family protection endorsement had to respond to the damages claim before the owner’s $1-million personal umbrella liability policy (PLUP).
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September 10, 2025
Ontario Court of Appeal confirms: Insurer’s right to void policy survives renewal
The Ontario Court of Appeal has confirmed that an insurer can void a policy for misrepresentation — even after renewal — if it has consistently reserved its rights and never clearly waived them.
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September 10, 2025
New OBA president hopes to bring ‘more conversational experience’ to position
The Ontario Bar Association (OBA) has a new leader at its helm. Katy Commisso took over the top job from former president Kathryn Manning at the beginning of September after serving a term as the first vice-president of the OBA, which is the professional association for Ontario's lawyers, judges and law students. She will serve for the 2025-26 term. Commisso, a native of Burlington, Ont., said she did not grow up wanting to be a lawyer.
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September 09, 2025
Aviva estopped from denying coverage in boating accident after delay in raising coverage concerns
The Federal Court rejected an insurer’s bid to avoid defending and paying claims from a fatal boating accident, ruling that it was estopped from denying coverage after delaying and taking steps that prejudiced the insured’s access to evidence.
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September 08, 2025
Stronger laws required to protect Canadian health data
Canada needs more robust legislation to prevent electronic health records from being accessed and potentially used by foreign entities.