Foundational coverage examining what insurance is designed to accomplish, the limits of coverage, and common misconceptions that lead policyholders into costly misunderstandings when a loss occurs.
Courses
What Insurance Actually Does (and What It Does Not)
A foundational course examining what insurance is designed to accomplish, the limits of coverage, and the common misconceptions that lead policyholders into costly misunderstandings when a loss occurs.
Reading a Policy: Declarations, Insuring Agreements, Exclusions and Conditions
A structural walkthrough of how insurance policies are organized and how to locate the provisions that determine whether a loss is covered, using a single scenario to illustrate how the architecture of a policy shapes the outcome of a claim.
The Claims Process From First Notice to Resolution
A step-by-step walkthrough of how insurance claims are filed, investigated, adjusted, and resolved in Canada, following a single commercial property loss from the moment of discovery through final settlement.
Understanding Duty to Defend and Duty to Indemnify
An examination of the two distinct obligations that arise under liability insurance, the duty to defend and the duty to indemnify, and how each operates independently, following a single liability claim where the insurer defended but reserved the right to deny payment.
When Coverage Disputes Arise: Your Rights and Options
A practical guide to the rights and remedies available to policyholders when an insurer denies a claim, disputes the amount, or delays payment, following a single denied commercial property claim through the dispute resolution process.
Insurance Broker Duties: From Risk Assessment to Coverage Placement
Examination of insurance broker duties to insureds and insurers in Canadian law, covering risk assessment obligations, communication standards, dual agency, and liability allocation.
Coverage Gaps When Home-Based Business Activity Voids Tenant Insurance
Examines coverage denial under a tenant insurance policy's business exclusion when undisclosed home-based cake production causes unit damage and triggers strata insurer subrogation in British Columbia.