Canada: Insurance Laws and Products

Ontario's auto insurance system is undergoing a major transformation on July 1, 2026, shifting to an opt-in coverage model that promises lower premiums but transfers significant risk from insurers to individuals. Sandra Train, drawing on her unique background as both a personal injury lawyer and Fellow Chartered Insurance Professional, examines how reduced first-party benefits will drive more accident victims into the tort system, creating larger, more complex lawsuits and unprecedented uncertainty for all

Insurance companies routinely schedule Independent Medical Examinations (IMEs) as part of the claims process in Ontario, often leaving claimants uncertain about their purpose and impact. Understanding what IMEs assess, why they're requested, and how to prepare can significantly reduce stress and help you maintain control over your claim outcome.

Commercial insurance contracts are a complicated patchwork of policies, endorsements, conditions and exclusions. The Supreme Court of Canada has recently restated the "generally advisable" order for Canadian...

Lawyers demand precision—so we’ll be precise. Disability insurance is really income insurance. There’s no insurance plan that can prevent life from coming at you in surprising and unwelcome ways...

The Supreme Court of Canada's recent decision in Emond v. Trillium Mutual Insurance Co. marks one of the most significant recent rulings on the interpretation of insurance policies.

When a party obtains a judgment for damage to persons or property and that judgment goes unpaid, there may still be a path to recovery.

A recent case from Divisional Court overturned the decision of the Health Services Appeal and Review Board (the "Board") requiring Dr. Elaine Ma to repay $600,962.16 to OHIP for COVID‑19...

BLG's insurance lawyers monitor key rulings on insurance claim, policy interpretation, and coverage disputes to provide clients with practical insights they can act on.

This case deals with the aftermath of a breakdown in the relationship between an insurer and a brokerage. Since 2014, BrokerLink has marketed and sold Commonwell insurance products; however...