Expert Witness
We have assisted law firms in Ontario, and other provinces, with support in a variety of insurance areas including:
- Insurer / Broker disputes
- Insurance Brokers Standards and Practices
- Insurance Brokers Errors and Omissions
- Insurance Policy Analysis and Interpretation
- Assistance with claims issues
Sample Cases
Coverage Denied; Material Change, Misrepresentation, poor condition of insured property, change in occupancy.
Coverage Denied; Material Change, Misrepresentation, poor condition of insured property, change in occupancy.
- Coverage placed on large, old dilapidated factory
- Owner renovating and subdividing
- Broker didn’t accurately advise insurer of condition and use of property
- Fire occurred, coverage denied, policy cancelled ab initio.
- Broker partially liable to owner for cancelled policy and fire loss.
Insurance to Value; Coverage insufficient to rebuild.
Insurance to Value; Coverage insufficient to rebuild.
- Homeowners policy
- Owners added rooms to the home, advised broker who failed to increase the amount of insurance.
- Policy did not have Guaranteed Replacement Cost coverage.
- Fire occurred.
- Insurer paid policy limits.
- Broker liability for coverage shortfall.
Inadequate coverage; Special Limits, homeowners policy, jewellery, collectibles.
Inadequate coverage; Special Limits, homeowners policy, jewellery, collectibles
- Burglary, significant quantity of valuables stolen
- Broker had visited property, should have been familiar with unique nature of owner’s property.
- Policy only provided limited coverage on cash, coin and stamp collections and collectibles.
- Broker liable to client for inadequate coverage.
Coverage Denied; territorial limitation in policy.
Claim Denied; territorial limitation in policy
- Policy covered U. S. and Canada only.
- Client advised broker of operations in other countries.
- Equipment damaged at foreign site.
- Broker liable to client for missing coverage.
Coverage Denied; improper transition to different insurer, Claims Made Policies.
Coverage Denied; improper transition to another insurer, Claims Made Policies.
- Engineering company; professional liability policy.
- Incident occurred during policy A.
- Claim made during term of Policy B.
- Insurer B denied coverage, based on Claims Made policy trigger and retro date same as effective date, i.e. no prior acts coverage.
- Broker B liable to client for failing to arrange either 1/ Retro Coverage in Policy B or 2/ Extended Reporting Period in Policy A.
No Coverage; Liquor Liability, improper transition from claims-made to occurrence liability policy.
No Coverage; Liquor Liability, improper transition from claims-made to occurrence liability policy
- Incident occurred during Policy A (claims-made trigger)
- Claim made during Policy B (occurrence trigger)
- Same broker during both Policies A and B.
- Broker liable to client for failing to arrange continuous coverage
Coverage denied, fire; vacancy, construction
Coverage denied, fire; vacancy, construction
Greenhouse operator, under-insurance, business interruption, coinsurance penalty.
Agricultural business; embezzlement, inadequate coverage.
Marine services; coverage denied, alleged late reporting to insurer
Food Processor; contamination, inadequate coverage.
Claim denied; death benefit.
Liability claim, coverage denied, alleged material change, change in occupancy of building
Fire; resort, coinsurance problem, broker information inaccurate, coverage denied.
Auto Policy; SEF 44, inadequate limits of coverage.