Binder Insurance archive

Insurance by month and year

Published Binder Insurance reporting, analysis, case commentary and editorials.

October 2026

Headline · Ontario

Yu v Co-operators General Insurance Company

Yu v Co-operators General Insurance Company, 2026 CanLII 89428 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-08-27. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Sprauge v Lloyd's Underwriters

Sprauge v Lloyd's Underwriters, 2026 CanLII 89456 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-08-27. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Huong v. Security National Insurance Company

Huong v. Security National Insurance Company, 2026 CanLII 94549 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-08-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Daley v Definity Insurance Company

Daley v Definity Insurance Company, 2026 CanLII 94537 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-08-31. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Mohamed Rizan v TD General Insurance Company

Mohamed Rizan v TD General Insurance Company, 2026 CanLII 94540 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-01. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Sprauge v Lloyd's Underwriters

Sprauge v Lloyd's Underwriters, 2026 CanLII 94528 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-02. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Chen v Allstate Insurance Company of Canada

Chen v Allstate Insurance Company of Canada, 2026 CanLII 94506 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-09. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Chen v Allstate Insurance Company of Canada

Chen v Allstate Insurance Company of Canada, 2026 CanLII 94538 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-09. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

TD General Insurance Company v Grant

TD General Insurance Company v Grant, 2026 CanLII 80188 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-10. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Aldiabat v. Co-operators General Insurance Company

Aldiabat v. Co-operators General Insurance Company, 2026 CanLII 94500 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-10. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Zapanta v Security National Insurance Company

Zapanta v Security National Insurance Company, 2026 CanLII 97266 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-11. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Goegan v Gore Mutual Insurance Company

Goegan v Gore Mutual Insurance Company, 2026 CanLII 97255 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-14. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Yi v Security National Insurance Company

Yi v Security National Insurance Company, 2026 CanLII 97288 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-16. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Poon v The Personal Insurance Company

Poon v The Personal Insurance Company, 2026 CanLII 94530 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-18. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Slaibi v Belair Insurance Company Inc.

Slaibi v Belair Insurance Company Inc., 2026 CanLII 100113 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-18. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Li v Wawanesa Mutual Insurance Company

Li v Wawanesa Mutual Insurance Company, 2026 CanLII 100106 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-22. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Anderson v Definity Insurance Company

Anderson v Definity Insurance Company, 2026 CanLII 100111 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-22. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Cai v Aviva Insurance Company of Canada

Cai v Aviva Insurance Company of Canada, 2026 CanLII 100115 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-22. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Sutton v Definity Insurance Company

Sutton v Definity Insurance Company, 2026 CanLII 100120 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-23. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Security National Insurance Company v Younge

Security National Insurance Company v Younge, 2026 CanLII 100086 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-24. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Guo v Aviva Insurance Company of Canada

Guo v Aviva Insurance Company of Canada, 2026 CanLII 100105 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-24. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Amponsah v Certas Home and Auto Insurance Company

Amponsah v Certas Home and Auto Insurance Company, 2026 CanLII 100109 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-24. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Motta v Definity Insurance Company

Motta v Definity Insurance Company, 2026 CanLII 103257 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Luo v Aviva General Insurance Company

Luo v Aviva General Insurance Company, 2026 CanLII 103259 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Phillips v Royal & Sun Alliance Insurance Company of Canada

Phillips v Royal & Sun Alliance Insurance Company of Canada, 2026 CanLII 103284 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Nova Scotia

Jacobs v. Nordic Insurance Company of Canada

Jacobs v. Nordic Insurance Company of Canada, 2026 NSSM 7 (CanLII), is a Canadian decision from Small Claims Court dated 2026-02-04. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Lau v Insurance Corporation of British Columbia

Lau v Insurance Corporation of British Columbia, 2024 BCSC 2699 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2024-10-23. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Young v Gore Mutual Insurance Company

Young v Gore Mutual Insurance Company, 2026 BCSC 262 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-02-18. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Delos Santos v ICBC

Delos Santos v ICBC, 2026 BCSC 659 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-02-20. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Barr v. Insurance Corporation of British Columbia

Barr v. Insurance Corporation of British Columbia, 2026 BCSC 364 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-03-04. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Lau v Insurance Corporation of British Columbia

Lau v Insurance Corporation of British Columbia, 2026 BCSC 574 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-04-01. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Island Insurance Agency Ltd. v Imraj S. Gill Law Corporation

Island Insurance Agency Ltd. v Imraj S. Gill Law Corporation, 2026 BCSC 635 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-04-13. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Ranseth v Kirby Insurance Agencies Ltd.

Ranseth v Kirby Insurance Agencies Ltd., 2026 BCSC 832 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-04-21. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Four Points Insurance Company Ltd. v Stratford Underwriting Agency Inc.

Four Points Insurance Company Ltd. v Stratford Underwriting Agency Inc., 2026 BCSC 1221 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-04-29. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Harris Victoria Chrysler Dodge Jeep Ram Ltd. v Insurance Corporation of British Columbia

Harris Victoria Chrysler Dodge Jeep Ram Ltd. v Insurance Corporation of British Columbia, 2026 BCSC 1380 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-07-24. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Sanghera v The Wawanesa Mutual Insurance Company

Sanghera v The Wawanesa Mutual Insurance Company, 2026 BCSC 1828 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-09-25. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Québec

Lévesque c. Aviva Compagnie d'assurance générale

Lévesque c. Aviva Compagnie d'assurance générale, 2024 QCCS 1570 (CanLII), is a Canadian decision from Superior Court of Quebec dated 2024-05-03. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Québec

Succession de Hindle c. TD Life Insurance Company

Succession de Hindle c. TD Life Insurance Company, 2026 QCCS 804 (CanLII), is a Canadian decision from Superior Court of Quebec dated 2026-03-12. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Nova Scotia

Barnard v. The Portage Mutual Insurance Company

Barnard v. The Portage Mutual Insurance Company, 2026 NSSC 64 (CanLII), is a Canadian decision from Supreme Court of Nova Scotia dated 2026-02-20. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Nova Scotia

Avery v. The Personal Insurance Company

Avery v. The Personal Insurance Company, 2026 NSSC 181 (CanLII), is a Canadian decision from Supreme Court of Nova Scotia dated 2026-06-03. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Rzepka v. AMC Insurance (2100) Ltd. And Definity Insurance Co.

Rzepka v. AMC Insurance (2100) Ltd. And Definity Insurance Co., 2026 BCPC 128 (CanLII), is a Canadian decision from Provincial Court of British Columbia dated 2026-02-13. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Alberta

Tragger v Intact Insurance Company

Tragger v Intact Insurance Company, 2026 ABKB 112 (CanLII), is a Canadian decision from Court of King's Bench of Alberta dated 2026-02-18. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Alberta

Sniper Pressure Services Ltd v Northbridge General Insurance Corporation

Sniper Pressure Services Ltd v Northbridge General Insurance Corporation, 2026 ABKB 193 (CanLII), is a Canadian decision from Court of King's Bench of Alberta dated 2026-03-16. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Alberta

Le Prieur v Aviva Insurance Company of Canada

Le Prieur v Aviva Insurance Company of Canada, 2026 ABKB 452 (CanLII), is a Canadian decision from Court of King's Bench of Alberta dated 2026-06-17. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Alberta

Tansey v Allstate Insurance Company of Canada

Tansey v Allstate Insurance Company of Canada, 2026 ABKB 525 (CanLII), is a Canadian decision from Court of King's Bench of Alberta dated 2026-07-21. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Alberta

Wang v Security National Insurance Company

Wang v Security National Insurance Company, 2026 ABKB 559 (CanLII), is a Canadian decision from Court of King's Bench of Alberta dated 2026-08-07. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Alberta

Security National Insurance Company v Ismail

Security National Insurance Company v Ismail, 2026 ABKB 599 (CanLII), is a Canadian decision from Court of King's Bench of Alberta dated 2026-08-27. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

Canada Life Assurance Company v. Herron

Canada Life Assurance Company v. Herron, 2026 SKKB 138 (CanLII), is a Canadian decision from Court of King's Bench for Saskatchewan dated 2026-08-05. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

King v. Saskatchewan Government Insurance

King v. Saskatchewan Government Insurance, 2026 SKKB 148 (CanLII), is a Canadian decision from Court of King's Bench for Saskatchewan dated 2026-08-14. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Newfoundland and Labrador

French v The Personal Insurance

French v The Personal Insurance, 2025 CanLII 134842 (NL PC), is a Canadian decision from Provincial Court of Newfoundland and Labrador dated 2025-07-11. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · New Brunswick

In the matter of the Estate of Denise McLaughlin (deceased) and André LeBreton v. Foresters Life Insurance Company

In the matter of the Estate of Denise McLaughlin (deceased) and André LeBreton v. Foresters Life Insurance Company, 2026 NBKB 10 (CanLII), is a Canadian decision from Court of King's Bench of New Brunswick dated 2026-01-21. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · New Brunswick

3309715 NS LTD v Southeastern Mutual Insurance Company

3309715 NS LTD v Southeastern Mutual Insurance Company, 2026 NBKB 12 (CanLII), is a Canadian decision from Court of King's Bench of New Brunswick dated 2026-01-23. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · New Brunswick

Trecartin v Sonnet Insurance Company

Trecartin v Sonnet Insurance Company, 2026 NBKB 96 (CanLII), is a Canadian decision from Court of King's Bench of New Brunswick dated 2026-04-30. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

Yashcheshen v Saskatchewan Government Insurance

Yashcheshen v Saskatchewan Government Insurance, 2026 SKCA 8 (CanLII), is a Canadian decision from Court of Appeal for Saskatchewan dated 2026-01-15. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

SGI v Wuttunee

SGI v Wuttunee, 2026 SKCA 100 (CanLII), is a Canadian decision from Court of Appeal for Saskatchewan dated 2026-09-11. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

Natario v. RBC Insurance Company of Canada

Natario v. RBC Insurance Company of Canada, 2026 ONCA 482 (CanLII), is a Canadian decision from Court of Appeal for Ontario dated 2026-06-30. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Ontario

West York Sales and Leasing Inc. v. Dominion of Canada General Insurance Company (Travelers Canada)

West York Sales and Leasing Inc. v. Dominion of Canada General Insurance Company (Travelers Canada), 2026 ONCA 553 (CanLII), is a Canadian decision from Court of Appeal for Ontario dated 2026-07-30. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Nova Scotia

Newline Canada Insurance Limited v. Fiera Private Debt Fund III LP

Newline Canada Insurance Limited v. Fiera Private Debt Fund III LP, 2026 NSCA 71 (CanLII), is a Canadian decision from Nova Scotia Court of Appeal dated 2026-10-02. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · New Brunswick

Prestidge v. Definity Insurance Company

Prestidge v. Definity Insurance Company, 2026 NBCA 49 (CanLII), is a Canadian decision from Court of Appeal of New Brunswick dated 2026-05-07. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Manitoba

Korsch v Manitoba Public Insurance Corporation

Korsch v Manitoba Public Insurance Corporation, 2026 MBCA 17 (CanLII), is a Canadian decision from Court of Appeal of Manitoba dated 2026-02-12. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Manitoba

Fehr v Manitoba (Health Insured Benefits, Insurance Division)

Fehr v Manitoba (Health Insured Benefits, Insurance Division), 2026 MBCA 52 (CanLII), is a Canadian decision from Court of Appeal of Manitoba dated 2026-06-09. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Fearon v. Insurance Corporation of British Columbia

Fearon v. Insurance Corporation of British Columbia, 2026 BCCA 81 (CanLII), is a Canadian decision from Court of Appeal for British Columbia dated 2026-03-03. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Gair Williamson Architect Inc. v. GMC Projects (450 Gore) Inc.

Gair Williamson Architect Inc. v. GMC Projects (450 Gore) Inc., 2026 BCCA 255 (CanLII), is a Canadian decision from Court of Appeal for British Columbia dated 2026-06-12. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

Insurance Corporation of British Columbia v. Liang

Insurance Corporation of British Columbia v. Liang, 2026 BCCA 263 (CanLII), is a Canadian decision from Court of Appeal for British Columbia dated 2026-06-16. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · British Columbia

ADP Financial Ltd. v. AWM Financial Services Inc.

ADP Financial Ltd. v. AWM Financial Services Inc., 2026 BCCA 297 (CanLII), is a Canadian decision from Court of Appeal for British Columbia dated 2026-07-10. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

I.C. v. Saskatchewan Government Insurance

I.C. v. Saskatchewan Government Insurance, 2025 SKAIA 29 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2025-10-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

K.L. v. Saskatchewan Government Insurance

K.L. v. Saskatchewan Government Insurance, 2025 SKAIA 30 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2025-11-14. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

T.D. v. Saskatchewan Government Insurance

T.D. v. Saskatchewan Government Insurance, 2025 SKAIA 31 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2025-11-26. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

T.A. v. Saskatchewan Government Insurance

T.A. v. Saskatchewan Government Insurance, 2025 SKAIA 32 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2025-12-08. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

L.R. v. Saskatchewan Government Insurance

L.R. v. Saskatchewan Government Insurance, 2025 SKAIA 33 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2025-12-22. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

I.N. v. Saskatchewan Government Insurance

I.N. v. Saskatchewan Government Insurance, 2026 SKAIA 3 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-01-01. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

N.N. v. Saskatchewan Government Insurance

N.N. v. Saskatchewan Government Insurance, 2026 SKAIA 1 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-01-06. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

K.C. v. Saskatchewan Government Insurance

K.C. v. Saskatchewan Government Insurance, 2026 SKAIA 2 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-01-16. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

A.R. v. Saskatchewan Government Insurance

A.R. v. Saskatchewan Government Insurance, 2026 SKAIA 4 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-02-12. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

G.N. v. Saskatchewan Government Insurance

G.N. v. Saskatchewan Government Insurance, 2026 SKAIA 6 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-02-27. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

Z.T. v. Saskatchewan Government Insurance

Z.T. v. Saskatchewan Government Insurance, 2026 SKAIA 5 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-03-02. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

Z.C. v. Saskatchewan Government Insurance

Z.C. v. Saskatchewan Government Insurance, 2026 SKAIA 7 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-03-05. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

V.T. v. Saskatchewan Government Insurance

V.T. v. Saskatchewan Government Insurance, 2026 SKAIA 8 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-03-16. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

L.Y. v. Saskatchewan Government Insurance

L.Y. v. Saskatchewan Government Insurance, 2026 SKAIA 9 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-03-23. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

N.L. v. Saskatchewan Government Insurance

N.L. v. Saskatchewan Government Insurance, 2026 SKAIA 10 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-03-24. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

S.N. v. Saskatchewan Government Insurance

S.N. v. Saskatchewan Government Insurance, 2026 SKAIA 11 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-04-08. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

I.I. v. Saskatchewan Government Insurance

I.I. v. Saskatchewan Government Insurance, 2026 SKAIA 12 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-04-09. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

T.N. v. Saskatchewan Government Insurance

T.N. v. Saskatchewan Government Insurance, 2026 SKAIA 13 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-04-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

S.E. v. Saskatchewan Government Insurance

S.E. v. Saskatchewan Government Insurance, 2026 SKAIA 14 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-05-08. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

S.E. v. Saskatchewan Government Insurance

S.E. v. Saskatchewan Government Insurance, 2026 SKAIA 15 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-05-20. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

A.M. v. Saskatchewan Government Insurance

A.M. v. Saskatchewan Government Insurance, 2026 SKAIA 16 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-05-21. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

S.R. v. Saskatchewan Government Insurance

S.R. v. Saskatchewan Government Insurance, 2026 SKAIA 17 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-05-22. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

T.N. v. Saskatchewan Government Insurance

T.N. v. Saskatchewan Government Insurance, 2026 SKAIA 18 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-05-22. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

V.A. v. Saskatchewan Government Insurance

V.A. v. Saskatchewan Government Insurance, 2026 SKAIA 19 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-05-26. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

V.A. v. Saskatchewan Government Insurance

V.A. v. Saskatchewan Government Insurance, 2026 SKAIA 20 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-05-29. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

E.E. v. Saskatchewan Government Insurance

E.E. v. Saskatchewan Government Insurance, 2026 SKAIA 21 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-06-09. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

A.I. v. Saskatchewan Government Insurance

A.I. v. Saskatchewan Government Insurance, 2026 SKAIA 22 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-06-23. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

I.R. v. Saskatchewan Government Insurance

I.R. v. Saskatchewan Government Insurance, 2026 SKAIA 23 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-07-10. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

[T.C.] v. Saskatchewan Government Insurance

[T.C.] v. Saskatchewan Government Insurance, 2026 SKAIA 24 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-07-20. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

T.D. v. Saskatchewan Government Insurance

T.D. v. Saskatchewan Government Insurance, 2026 SKAIA 25 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-07-24. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Headline · Saskatchewan

U.R. v. Saskatchewan Government Insurance

U.R. v. Saskatchewan Government Insurance, 2026 SKAIA 26 (CanLII), is a Canadian decision from Automobile Injury Appeal Commission dated 2026-08-20. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.

Regulatory Update · Nova Scotia

Nova Scotia flags new mandatory auto insurance condition amendments

Nova Scotia has amended the mandatory conditions that form part of automobile insurance contracts. One amendment took effect September 22, 2026 and another is scheduled for January 1, 2027.

Regulatory Update · Ontario

Ontario auto rate review remains in draft after consultation closes

FSRA has closed consultation on its 2026 draft Ontario Private Passenger Vehicles Annual Review. The draft assembles industry cost and trend data used to inform future private passenger auto rate filing reviews.

Regulatory Update · British Columbia

BCFSA proposes regular fee reviews across regulated sectors

BCFSA is consulting on a new framework for reviewing regulatory fees across the sectors it oversees, including insurance. The proposal would add annual cost based reviews and broader reviews at least every five years.

Regulatory Update · Alberta

Alberta moves private benefit plans ahead of provincial coverage

Alberta changed the order of payment for government sponsored drug and supplemental health benefits on October 1, 2026. Where private or employer sponsored coverage exists, that coverage now pays first and provincial programs remain the safety net.

Regulatory Update · All Canada

OSFI finalizes IFRS 18 insurer reporting changes for 2027

Federally regulated insurers now have the final OSFI return templates that will apply as IFRS 18 comes into force for reporting periods beginning in 2027.

Regulatory Update · Saskatchewan

Saskatchewan confirms another 3.75% Auto Fund increase for June 2027

Saskatchewan will increase basic Auto Fund rates by 3.75% overall on June 1, 2027, while continuing to rebalance rates by vehicle class as claim costs and inflation pressure the public insurer’s finances.

Case Commentary · New Brunswick

New Brunswick proof of loss dispute turns on what the insured could reasonably provide

Headline · New Brunswick

New Brunswick appeal preserves proof of loss finding but leaves policy clause unresolved

After a house fire, the New Brunswick Court of Appeal upheld the finding that the insured had done what she reasonably could to complete her proof of loss, but set aside the ruling on an examination under oath condition because the legal question was not properly before the motion judge.

Insurance & Protection Update · Northwest Territories

NWT medical travel benefits now require Extended Health Benefits enrolment

NWT residents without medical travel coverage through another public program, an employer plan or private insurance must now enrol in Extended Health Benefits before accessing territorial medical travel support. The underlying level of support has not changed.

Emerging Trend · Canada

September 2026: Canadian insurance is becoming an operational details business

September’s Canadian insurance developments didn’t point to one national legal rule. They pointed to something more useful: outcomes are increasingly turning on the exact operational detail, from notice requirements and disclosure duties to endorsements, approved forms and capital treatment.

Practical Analysis · Québec

Quebec enforcement shows that an inspection finding is only the start of the compliance job

Quebec’s financial regulator says a follow up inspection of Matcha Assurance found that earlier deficiencies had not all been corrected and that new breaches had appeared. The resulting settlement included financial penalties, leadership restrictions and the firm’s planned withdrawal of registration.

Practical Analysis · All Canada

OSFI changes the capital treatment of some residential construction in MICAT 2027

OSFI’s 2027 mortgage insurer capital framework creates a lower capital risk weight for qualifying low rise multi unit residential construction while keeping a higher weight for larger projects. The change takes effect January 1, 2027.

Practical Analysis · Alberta

Alberta’s Care First transition is moving from policy design into claims operations

Alberta has approved the standard automobile forms that will support its Care First system on January 1, 2027, while separate guidance is now setting out how early treatment and claim administration are expected to work.

Case Commentary · British Columbia

Property coverage can fail when a material change in risk goes undisclosed

British Columbia’s Court of Appeal dismissed an insureds’ appeal where an undisclosed marihuana grow operation had been found to be a material change in risk. The materiality and nondisclosure findings were not challenged on appeal and were enough to resolve the coverage dispute.

Case Commentary · Ontario

Mortgage broker fraud coverage follows the purpose of mandatory insurance

Ontario’s Court of Appeal held that a mandatory mortgage broker fraud endorsement covered client money misappropriated while it was held in trust for a proposed mortgage transaction. The regulatory purpose of the required insurance mattered to how the policy was read.

Regulatory Update · Ontario

Ontario auto insurers face October 30 filing deadline

Ontario licensed auto insurers must submit the 2026 Annual Auto Insurance Attestation through FSRA’s Online Services Portal by October 30, 2026. The filing requires certification by the CEO or the most senior officer responsible for Ontario operations.

Case Commentary · Ontario

Ontario appeal court says accident notice is not benefits notice

Ontario's Court of Appeal held that reporting a collision to an insurer does not itself notify the insurer that the insured intends to claim statutory accident benefits.

Headline · Ontario

Mortgage broker fraud coverage extends to misappropriated trust funds

The Ontario Court of Appeal held that mandatory mortgage broker fraud coverage applied to client money misappropriated while held in trust for a mortgage transaction. The court read the policy in its regulatory context and allowed the appeal.

Headline · British Columbia

Undisclosed grow operation defeats property coverage on appeal

The British Columbia Court of Appeal dismissed the insureds' appeal after the trial judge found that an undisclosed marihuana grow operation was a material risk. Those findings were unchallenged on appeal and were dispositive.

Case Commentary · Ontario

Ransomware endorsement controls Panasonic cyber loss and higher retention

Ontario's Court of Appeal held that Panasonic's ransomware losses were governed by the ransomware endorsement and its US$3 million retention, even though the claim was framed under broader cyber coverages.

Headline · Ontario

Reporting an accident is not notice of an accident benefits claim

Ontario's Court of Appeal held that telling an insurer an accident occurred is not the same as notifying it that the insured intends to claim statutory accident benefits.

Practical Analysis · All Canada

Insurance is most valuable before the claim

The most important insurance conversation often happens before anything goes wrong, when someone still has time to understand what the policy is actually designed to do.

Practical Analysis · All Canada

Cyber insurance is becoming a test of how businesses describe interruption

Cyber losses are forcing businesses and insurers to confront a basic question: what does it mean for a modern company to be unable to operate?

Practical Analysis · All Canada

The adjuster isn’t the claim

A claims relationship can become unnecessarily adversarial when every request from an adjuster is treated as the insurer’s final position.

Case Commentary · Ontario

Greenhouse loss shows why insurance causation can’t stop at the last event

Ontario’s Court of Appeal sent a greenhouse coverage dispute back for trial after finding that the earlier analysis focused too narrowly on the immediate cause of the crop loss.

Case Commentary · All Canada

Supreme Court keeps compliance cost exclusion intact despite rebuilding endorsement

The Supreme Court held that guaranteed rebuilding coverage increased the amount available to rebuild a destroyed home but did not erase a separate exclusion for added legal compliance costs.

Case Commentary · Ontario

Life insurance can fail to take effect if insurability changes before delivery

The Ontario Court of Appeal held that the statutory no change in insurability requirement is a condition for a life insurance contract to take effect and is distinct from the later contestability rules.

Case Commentary · Ontario

First insurer pays the price for ignoring Ontario’s accident benefits process

The Court of Appeal reinstated an arbitration decision leaving Chubb responsible for accident benefits after it failed to follow Ontario’s pay first and notify process.

Case Commentary · Ontario

Late notice survives where the policy’s cure works and the insurer isn’t prejudiced

The Ontario Court of Appeal upheld coverage after finding no substantial breach of the insured’s duty to cooperate and no error in applying a notice cure without insurer prejudice.

Headline · Ontario

Chubb left responsible after missing Ontario accident benefits notice rules

The Court of Appeal allowed Zurich’s appeal and reinstated the arbitrator’s decision requiring Chubb to pay the benefits. The appeal judge had erred by treating the insurers as equally responsible despite the regulatory consequences of Chubb’s failure to comply.

Headline · Ontario

Life policy dispute turns on change in insurability before delivery

The Court of Appeal allowed Canada Life’s appeal and set aside summary judgment. It held that the statutory no change in insurability requirement is a condition precedent to contract formation and is not displaced by the two year contestability limitation.

Headline · All Canada

Supreme Court says rebuilding endorsement doesn’t erase compliance cost exclusion

The Supreme Court dismissed the appeal. The guaranteed rebuilding cost endorsement increased the amount available to rebuild but did not displace the compliance cost exclusion. The insureds remained entitled only to the specific additional compliance coverage stated in the policy.

Headline · Ontario

Cyber policy dispute puts business interruption wording under appellate scrutiny

Ontario's Court of Appeal held that Panasonic's ransomware losses were governed by the policy's ransomware endorsement and its higher US$3 million retention, even though Panasonic claimed under broader base policy coverages.

Headline · Ontario

Greenhouse coverage dispute sent back for trial over causation and exclusions

The Court of Appeal allowed the appeal from summary judgment for the insurer. It found errors in the causation analysis and in the treatment of the policy exceptions and burdens of proof. Genuine issues remained for trial.

Headline · Ontario

Late notice doesn’t defeat coverage where insurer suffered no prejudice

The Court of Appeal dismissed the insurer’s appeal. It upheld the finding that there was no substantial breach of the duty to cooperate and accepted the interpretation of the curative provision allowing notice in the next policy period where the insurer suffered no prejudice.

Practical Analysis · All Canada

Policyholder 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.

September 2026

Practical Analysis · All Canada

Course 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.

Practical Analysis · All Canada

Do 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.

Practical Analysis · Alberta

Collision vs. Uninsured Motorist Coverage in Alberta

In Alberta, collision covers vehicle damage, while uninsured-motorist coverage addresses qualifying bodily-injury and death claims.

Practical Analysis · All Canada

When 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.

August 2026

Practical Analysis · Alberta

How 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.

Practical Analysis · All Canada

Duty to Cooperate After Insurance Subrogation

Cooperation may continue after an insurer pays a claim, but the required steps and consequences depend on the policy, law and actual prejudice.

Practical Analysis · All Canada

What to Do First After an Insurance Claim Is Denied

After an insurance denial, preserve the policy and evidence, identify the stated reason and choose the appropriate escalation route.

Practical Analysis · Alberta

Overview of Alberta's July 30, 2026 Insurance Orders in Council

Alberta’s July 2026 auto-insurance orders set key Care-First rules ahead of the province’s January 1, 2027 transition.

Practical Analysis · All Canada

Got a Letter from Your Insurer's Legal Department?

An insurer legal-department letter should be read for who counsel represents, what is requested and whether any coverage issue is raised.

Practical Analysis · All Canada

What Does Family Protection Auto Insurance Cover?

Family protection can address bodily-injury losses involving underinsured, uninsured or unidentified motorists, depending on the provincial form.

Practical Analysis · All Canada

What Does All-Perils Insurance Cover?

All-perils property coverage generally covers fortuitous direct physical loss or damage unless excluded, subject to the complete policy.

Practical Analysis · All Canada

What Is a Subrogation Clause in Insurance?

A subrogation clause defines an insurer’s recovery rights after a covered loss and the insured’s duties to preserve and support those rights.

Practical Analysis · All Canada

Product Liability Insurance for Small Businesses in Canada

Product-liability coverage can protect against third-party injury or property-damage claims caused by products, subject to policy exclusions.

Practical Analysis · All Canada

What Is Environmental Liability Insurance in Canada?

Environmental liability insurance can address cleanup costs and third-party pollution claims that may fall outside ordinary property or CGL coverage.

Practical Analysis · All Canada

Home-Based Business Insurance in Canada

Home policies may offer limited business protection but generally do not replace the commercial liability or professional coverage a business may need.

Practical Analysis · Alberta

What Happens If Insurance Appraisal Fails in Alberta?

Alberta has a statutory dispute-resolution process for amount-of-loss disputes, including appointment of representatives and an umpire when needed.

Practical Analysis · All Canada

How to Dispute a Business Insurance Claim Denial in Canada

Business insurance denials can be challenged through internal review, complaint processes, appraisal where applicable or litigation.

Practical Analysis · All Canada

What Is Course of Construction Insurance?

Course of construction insurance protects insured project property while building or major renovation work is underway.

Practical Analysis · All Canada

What Is an Insurance Binder?

An insurance binder is temporary evidence that an insurer has agreed to provide specified coverage before the full policy document is issued.

Practical Analysis · All Canada

Named Perils vs. All-Risk Insurance in Canada

Named-perils policies cover listed causes of loss; all-risk forms generally cover direct physical loss unless an exclusion applies.

Practical Analysis · All Canada

What Is an Insurance Subrogation Claim?

Subrogation lets an insurer that paid a covered loss pursue recovery from the responsible party, subject to the policy and law.