Binder editorial team
Binder University
Canadian practical learning editorial team
This is an organizational editorial byline, not a claim that an individual wrote or independently verified the work.
Published work
Binder University · Oct 11, 2026How Does a Personal Guarantee Work for a Business Loan in Canada?
A business loan can be in the corporation’s name while its owner remains personally exposed. Understand what a guarantee promises, what it may limit and how release works.
Binder University · Oct 9, 2026The Limitation Clock Doesn't Always Start When Something Goes Wrong
Canada has no single limitation period for civil lawsuits. Discoverability, demand obligations, statutory exceptions and ultimate limits can all change when a claim must be commenced.
Binder University · Oct 9, 2026Deleting the Wrong File Can Change the Entire Lawsuit
The Supreme Court's July 2026 decision clarifies adverse inferences when someone deliberately destroys or hides relevant evidence. Businesses need a preservation process before litigation reaches discovery.
Binder University · Oct 9, 2026Waivers of Liability in Canada: A Signature Isn't the Entire Analysis
A well drafted release can alter liability exposure, but courts consider interpretation, notice, unconscionability, public policy and governing legislation. A signature isn't an automatic shield.
Binder University · Oct 9, 2026Vicarious Liability: When an Employer May Pay for Someone Else's Wrong
Vicarious liability may place responsibility on an employer for certain employee wrongs even without proof the employer personally acted negligently. The connection between work and wrongdoing matters.
Binder University · Oct 9, 2026Sole Proprietor or Corporation: Whose Debts Are They Really?
Incorporation generally separates the owner's legal identity from the business, but personal guarantees, director obligations and wrongful conduct can still create personal exposure.
Binder University · Oct 9, 2026Can You Record a Customer Call in Canada? Consent Has to Mean Something
The Privacy Commissioner says businesses subject to PIPEDA should explain the recording and its purpose and obtain appropriate consent. Recording law and commercial privacy law answer different questions.
Binder University · Oct 9, 2026The Insurance Clause in a Commercial Lease Deserves More Attention Than the Rent
Commercial property insurance, tenant improvements, liability, deductibles and waivers of subrogation should be allocated expressly. A commercial lease is not a residential insurance arrangement.
Binder University · Oct 9, 2026Course of Construction Insurance in Alberta: What the Contract Needs to Settle
Alberta construction projects need clarity on builder's risk values, insured parties, transit, testing, deductibles and the point at which coverage ends.
Binder University · Oct 9, 2026Collision Coverage Isn't Uninsured Motorist Protection
Collision covers eligible damage to the insured vehicle under its own terms. Uninsured motorist protection addresses different liability and injury risks, and neither replaces the other.
Binder University · Oct 9, 2026Signing, Cancelling and Limiting a Business Contract: Three Decisions That Aren't the Same
A business contract's cancellation rights, limits on damages and indemnity promises answer different questions. None can be understood from a heading alone.
Binder University · Oct 9, 2026A Shareholder Agreement Is What Makes a Small Corporation Work When Owners Disagree
Ownership percentages don't explain how shareholders will handle deadlocks, exits, financing and governance. A thoughtfully drafted agreement clarifies those choices before relationships deteriorate.
Binder University · Oct 9, 2026When a Customer Doesn't Pay: Is It an Invoice Problem or a Contract Dispute?
An unpaid invoice may be a straightforward collection issue or evidence of a deeper dispute over what was promised. The first steps are to establish the contract, delivery, objections and limitation period.
Binder University · Oct 9, 2026Excess Liability Insurance: More Limit Isn't Always More Coverage
Commercial excess liability insurance increases the limit available above specified underlying coverage. It doesn't necessarily repair gaps in the underlying policy, and umbrella coverage can operate differently.
Binder University · Oct 9, 2026PIPEDA and Small Business: The Privacy Law Test Starts With What You Do
Small Canadian businesses aren't automatically exempt from PIPEDA. The work is knowing which privacy law applies, where information travels and what customers have actually been told.
Binder University · Oct 7, 2026CRA Taxable Benefits Chart: Why CPP, EI, and Tax Differ
The same benefit on CRA's chart can trigger income tax, CPP, and EI differently depending on whether it's paid in cash, near-cash, or non-cash form.
Binder University · Oct 3, 2026Policyholder Rights During an Insurance Adjuster's Investigation
A reference list of what policyholders can expect and insist on during claims adjustment, from good-faith handling to proof-of-loss timelines and the right to outside help.
Binder Hr · Oct 1, 2026Severance When You Are Fired Near Retirement in Canada
Age and difficulty finding comparable work can lengthen common law notice, but planned retirement is not a separate head of wrongful dismissal damages.
Binder University · Sep 30, 2026Course of Construction Insurance: What It Covers, Who Needs It
Course of construction insurance, also called builder's risk, covers a building and its materials while work is underway, and lenders usually insist on it even though the law rarely does.
Binder University · Sep 29, 2026Yukon ISC Register: Deadline and Who Counts as Control
Yukon corporations must complete an individuals with significant control register by June 1, 2026, based on a 25 per cent ownership test, not who manages daily operations.
Binder University · Sep 27, 2026Saskatchewan's 2026 Tip Pooling Rules: What Employers Can't Do
As of January 1, 2026, Saskatchewan bars employers from withholding gratuities and generally keeps owners and directors out of tip pools unless they do the same tipped work.
Binder University · Sep 26, 2026Are Click Wrap Terms Enforceable Against a Canadian Business?
Clicking "I Agree" can form a binding contract in Canada, and a business buyer has far fewer escape routes from those terms than an ordinary consumer does.
Binder University · Sep 25, 2026When Procrastination at Work Means Something More
Procrastination at work isn't always a productivity problem. Persistent avoidance can sometimes signal stress, exhaustion, anxiety, depression, burnout or an unmanageable workload.
Binder University · Sep 20, 2026SEF 44 in Alberta: No-Contact Accidents and Proving an Unidentified Vehicle Was Involved
Alberta’s current SEF 44 doesn't require physical contact with an unidentified vehicle. But a no-contact claim still requires evidence proving another automobile was actually involved.
Binder University · Sep 20, 2026Environmental Taxation and Your Drive-Thru Restaurant
Canadian drive-through restaurants aren't directly taxed for idling vehicle emissions, but environmental levies on carbon, packaging, and fuel costs affect your bottom line in ways worth understanding.
Binder University · Sep 19, 2026When a Customer Disputes an Invoice You Both Agreed To
A customer disputing an agreed invoice doesn't make the agreement disappear, but your response determines whether you collect what you're owed or chase your tail for months.
Binder University · Sep 16, 2026Can Nonprofit Board Members Be Sued for Defamation?
Yes. A director can be personally liable for defamatory statements made in an organizational role, as a 2026 Alberta decision illustrates.
Binder University · Sep 15, 2026Do Condo Owners Need Sewer Backup Insurance?
Yes, often. A condo corporation policy and a unit owner policy can cover different parts of the same sewer-backup loss, so both need review.
Binder University · Sep 14, 2026What Constitutes Constructive Dismissal in Canada?
Constructive dismissal can arise from a substantial unilateral contract change or a course of conduct showing the employer no longer intends to be bound.
Binder University · Sep 13, 2026How to Write a Demand Letter for Payment in Canada
A demand letter should identify the debt, explain the basis for payment, set a defensible deadline and preserve the record without overstating the claim.
Binder University · Sep 12, 2026Should a Workplace Investigator Also Make the Decision?
Separate investigators and decision-makers can reduce bias, but whether separation is legally required depends on the governing process.
Binder University · Sep 11, 2026Collision vs. Uninsured Motorist Coverage in Alberta
In Alberta, collision covers vehicle damage, while uninsured-motorist coverage addresses qualifying bodily-injury and death claims.
Binder University · Sep 10, 2026Proposed 2026 CNCA Changes: Virtual Meetings and Directors
Federal CNCA proposals would modernize virtual meetings and director appointments, but the consultation proposals are not yet law.
Binder University · Sep 10, 2026Pregnancy Loss Leave Under the Canada Labour Code
Federally regulated employees can receive 3 days after most pregnancy losses and up to 8 weeks after a stillbirth.
Binder University · Sep 9, 2026Are Volunteer Nonprofit Directors Personally Liable?
Volunteer directors are not liable for every corporate debt, but statutes, personal torts, tax remittances and some wage claims can create exposure.
Binder University · Sep 8, 2026Who Is at Fault in an Alberta Parking Lot Accident?
Alberta insurers should not automatically assign 50/50 fault to parking-lot collisions; DCPD scenarios and ordinary liability rules determine the result.
Binder University · Sep 6, 2026Removing a Nonprofit Director Who Is Also an Employee
Board office and employment are separate legal relationships; ending one does not automatically end the other.
Binder University · Sep 5, 2026Severance When You Are Fired Near Retirement in Canada
Age and difficulty finding comparable work can lengthen common-law notice, but planned retirement is not a separate head of wrongful-dismissal damages.
Binder University · Sep 5, 2026CRA No Longer Pre-Approves Charity Purpose Changes
CRA no longer pre-approves changes to a registered charity’s purposes or activities; the charity must assess charitability before adopting changes.
Binder University · Sep 3, 2026How Should an Alberta Condo Board Operate?
An Alberta condo board must follow the Condominium Property Act, regulations, bylaws and proper financial processes.
Binder University · Sep 1, 2026When Do You Need Course of Construction Insurance?
Builder’s risk covers property during construction or major renovation and may be needed when ordinary property coverage is inadequate.
Binder University · Aug 31, 2026Does Workers' Compensation Cover Driving To and From Work?
Ordinary commuting is often outside workers’ compensation, but work purpose, employer control, transportation and personal detours can change the result.
Binder University · Aug 31, 2026Sick Notes in Canada: The Five-Day Rule Is Not National
Canada has no single five-day sick-note rule. B.C., Ontario, Quebec and federally regulated workplaces now use different restrictions on medical-note requests.
Binder University · Aug 30, 2026How to Document Performance Issues Before Termination
Strong performance documentation records specific concerns, expectations, responses and follow-up before a termination decision is made.
Binder University · Aug 30, 2026Can Federal Nonprofit Members Restrict Board Powers?
Under the CNCA, restricting directors’ management powers generally requires a valid unanimous member agreement where section 170 applies.
Binder University · Aug 28, 2026Can a Guardian Be Sued for a Dependent Adult's Actions?
A guardian is not automatically liable for an adult’s conduct; liability requires a recognized claim tied to the guardian’s own role or actions.
Binder University · Aug 28, 2026Can You Use ChatGPT for Legal Cases in Canada?
Canadian courts have confronted fabricated AI authorities; anyone using AI for legal work remains responsible for verifying every citation.
Binder University · Aug 27, 2026Can Alberta Employers Recover Training Costs?
Alberta training repayment clauses can be enforceable, but actual training cost, contract wording, penalties and wage-deduction rules all matter.
Binder University · Aug 26, 2026How Does a Suspended Licence Affect Auto Insurance in Alberta?
Alberta prohibits driving while suspended, and the standard owner’s auto policy also contains a prohibited-use condition.
Binder University · Aug 25, 2026Can Your Employer Access Your Medical Records in Canada?
Employers generally need limited, relevant medical information rather than unrestricted access to an employee’s complete medical chart.
Binder University · Aug 23, 2026Employee Caregiver Accommodation in Canada
Caregiver obligations can engage human-rights accommodation duties, depending on the employee’s circumstances and jurisdiction.