Courses
Reading an Insuring Agreement: What Is Actually Covered
How to read and interpret an insuring agreement — the core coverage grant of any insurance policy — including the triggers, conditions, and defined terms that determine whether a loss is covered.
Exclusions: The Conditions Under Which Coverage Disappears
How insurance policy exclusions work, how they are interpreted by Canadian courts, the most commercially significant exclusion categories, and strategies for managing exclusion exposure.
Underinsurance and Coinsurance Penalties
How the coinsurance clause works in Canadian property insurance, what underinsurance means in practice, how penalties are calculated, and how to ensure your coverage limits keep pace with actual values.
Coverage Stacking and Priority of Policies
How multiple insurance policies interact when a loss triggers more than one — the stacking principle, priority rules, other insurance clauses, and how to structure a coverage program to avoid gaps and conflicts.
Getting a Coverage Opinion: When and Why
When a coverage opinion from a lawyer or professional is necessary, what it should address, how to use it strategically in a claim dispute, and the difference between a broker opinion and a legal coverage opinion.
Debris Removal and Policy Limits: When Coverage Obligations Conflict
Examines coverage disputes arising when Alberta wildfire claimants attempt to redirect debris removal costs toward contents losses exceeding policy limits under standard homeowner provisions.