How additional insured endorsements work in Canadian commercial contracts — the difference between blanket and scheduled endorsements, the scope of coverage provided, and how to assess whether the endorsement you receive is adequate.

Examines CGL coverage obligations and reservation of rights procedures when a Manitoba plumbing retailer faces multi-defendant products liability claims arising from defective fittings causing condominium water damage.

A comprehensive treatment of the Commercial General Liability policy — how it is structured across Canadian markets, what triggers coverage, the key exclusions, limits and aggregates, and how the defence obligation works.

How the defence of a liability claim unfolds under a Canadian insurance policy — the insurer's duty to defend, the policyholder's cooperation obligations, reservation of rights, and when independent counsel becomes necessary.

The fundamental difference between occurrence and claims-made liability coverage triggers — what each means for long-tail claims, how to manage the transition between policy types, and the tail coverage options available across Canada.

How umbrella and excess liability policies work above primary coverage in Canadian insurance programs — the structural differences, how umbrella policies provide drop-down coverage, and how to set appropriate limits.