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.
To dispute a Canadian business-insurance denial, protect every deadline first, obtain the insurer’s precise position and policy wording, then answer the stated coverage grounds with documents and a focused written request for review. Internal complaints, an ombudservice and litigation serve different purposes. Starting a complaint does not necessarily stop a court limitation period. Record when the loss occurred, when it was discovered, when it was reported and when each coverage position was received. Review the policy’s action-against-insurer clause and the legislation governing the policy. Do not assume that the clock starts only when the insurer sends a denial.
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