Courses
Declarations Pages and Schedules: What They Tell You
How to read and understand the declarations page and policy schedules — what each section means, what to verify at renewal, and how misreading the dec page leads to coverage surprises at claim time.
Named Perils vs. All-Risk Coverage
The foundational distinction between named perils and all-risk (open perils) coverage — how each works, what it means for your claim, and how to assess which approach your policy actually uses.
Conditions: Your Obligations as the Insured
The conditions embedded in your insurance policy and imposed by Alberta insurance legislation — what they require, what happens when they are breached, and how to avoid the coverage gaps they create.
Endorsements and How They Change the Base Policy
How endorsements modify the base insurance policy — adding coverage, restricting it, or replacing provisions entirely — and how to identify when the endorsement controls over the base form.
Renewal, Cancellation, and Mid-Term Changes
The rights and obligations of insurers and insureds around policy renewal, cancellation, and changes during the policy period — what Alberta law requires, how these events affect coverage, and what to do when your insurer makes changes you did not request.
First Notice of Loss: What to Do in the First 72 Hours (Faculty of Insurance lens)
Examines the critical first 72 hours following a restaurant fire loss in Belleville, Ontario, analyzing how early decisions regarding contractor engagement, recorded statements, and inventory documentation affect claim outcomes under commercial property and business interruption coverage.