Courses
Commercial Property Insurance: A Comprehensive Framework
A comprehensive treatment of commercial property insurance across Canada — coverage structure, valuation approaches, common exclusions, business interruption, and how to build a property insurance program that actually covers what you need.
Business Interruption Coverage
How business interruption insurance works in Canada — the physical damage trigger, how losses are calculated, the indemnity period, extra expense coverage, and the most common gaps that leave businesses exposed.
Valuation Methods: Replacement Cost vs. Actual Cash Value
The difference between replacement cost and actual cash value coverage in Canadian property insurance — how depreciation is calculated, when each method applies, and how valuation disputes arise and are resolved.
Vacancy, Renovation, and Coverage Gaps in Property Insurance
How vacancy clauses, renovation activities, and changes in property use create coverage gaps in Canadian property insurance — what the policy says, what triggers the gap, and how to maintain continuous protection.
Water, Flood, and Sewer Backup Coverage
How water damage coverage works in Canadian property insurance — the distinction between sudden and gradual damage, overland flood coverage, sewer backup endorsements, and how to assess your actual water damage exposure.
Resolving Valuation Disputes: Depreciation, Policy Wording, and Appraisal Strategy
A single Ontario property valuation claim worked in practitioner depth — how comparative adjusting practice, building depreciation, and contested policy wording over irreplaceable equipment combine to produce a seven-figure gap, and how appraisal and negotiation close it.