A staff member conducting a routine morning check discovered an unresponsive resident in a bedroom at a group home operated by a private disability services provider in Camrose. The resident, a 38-year-old man with a developmental disability who had lived in the home for 7 years, could not be revived despite immediate attempts at resuscitation. Paramedics arrived within minutes and pronounced the resident deceased at the scene. The cause of death would later be attributed to a seizure disorder for which the resident had been receiving medication under an established care protocol.

The operator, a small non-profit organization, had been providing residential supports to adults with developmental disabilities in central Alberta for more than 15 years. At the time of the death, the organization operated 3 group homes housing a total of 11 residents, employed approximately 24 direct support staff, and held service contracts with a provincial government funder that specified detailed requirements for incident reporting, staff training, and medication administration. The organization maintained several insurance policies arranged through a regional commercial broker: a commercial general liability policy, a professional liability policy covering errors and omissions in care delivery, a directors and officers liability policy protecting board members of the non-profit, and an employment practices liability policy.

In the hours following the discovery, the executive director focused on immediate operational demands—supporting grieving co-residents, notifying the deceased resident's family and public guardian, completing mandatory reports to the government funder, and cooperating with responding authorities. The organization's broker was not contacted until 4 days after the death, when a board member raised the question of insurance implications at an emergency meeting. By that point, the executive director had already provided written statements to multiple parties, and staff had been interviewed by investigators without guidance on documentation practices relevant to potential claims.

Within 8 weeks of the death, the family of the deceased resident retained counsel and sent a letter to the operator alleging negligent supervision and improper medication management. The letter demanded preservation of all records and signaled an intention to pursue civil action. The operator forwarded this correspondence to its broker, who then faced the task of determining which policies responded to the emerging claim, whether notification obligations under each policy had been satisfied, and what consequences might flow from the sequence of events that had unfolded since the morning the resident was found unresponsive.