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Loss suffered by restaurant owners excluded under insurance policy’s Freezing Exclusion
  • Harper Grey LLP
  • Canada, USA
  • March 14 2017

Damage to the insureds' restaurant was caused by two freezing incidents and was excluded from coverage by the freezing exclusion which provided that


Court finds mortgagor had enforceable rights in administration of fire insurance policy
  • Harper Grey LLP
  • Canada
  • January 10 2017

Mortgagor found to have enforceable rights in policy of fire insurance


Ontario judge dismisses liability insurance claim determining that possessory rights to chattels do not constitute property
  • Harper Grey LLP
  • Canada
  • February 14 2017

Possessory rights to chattels do not constitute property within the meaning of section 132(1), R.S.O. 1990, c. I.8. 2016 O.J. No. 6016 2016 ONSC


Trickery and fraud exclusion clause of homeowner’s policy applied: coverage was denied for fraudulent scheme
  • Harper Grey LLP
  • Canada
  • December 13 2016

The insured sought coverage under a homeowner policy after suffering a financial loss as a result of her voluntary participation in what turned out to


Howalta Electrical Services Inc. v. CDI Career Development Institutes Ltd
  • Harper Grey LLP
  • Canada
  • January 16 2012

A fire destroyed a building occupied by tenants


224981 Ontario Inc. v. Intact Insurance Co
  • Harper Grey LLP
  • Canada
  • May 19 2016

Insurer was obligated to pay a loss of rental income claim under a property insurance policy following a fire because the tenant was under no


Snow v. Royal Sun Alliance Insurance Co. of Canada
  • Harper Grey LLP
  • Canada
  • April 19 2016

The appeal of a motion judge's decision determining that remediation of the contaminated land underneath the respondent's home was covered under the


Mississippi River Power Corp. v. Municipal Electric Assn. Reciprocal Insurance Exchange
  • Harper Grey LLP
  • Canada
  • September 15 2014

Reasonable preventative measures taken by an insured to prevent probable future damages may not be recoverable where the policy excludes coverage for


Robinson v. Primmum Insurance Co.
  • Harper Grey LLP
  • Canada
  • May 21 2014

Pollution exclusion in homeowner's policy may not apply to circumstances where sound insulation releases noxious gas that renders the home


Merei v. State Farm Fire Casualty Co.
  • Harper Grey LLP
  • Canada
  • July 25 2014

The insureds' homeowners policy had standard terms and was effective on February 25, 2006. The declarations page included the following statement