Category Archives: CGL

Cases involving interpretation of Commercial General Liability insurance policies.

C.A. Rejects Insurer’s Interpretation of “Anti-concurrent causation” clause

Addendum: On July 31, 2008, the Supreme Court of Canada refused leave to appeal from the decision of the Court of Appeal that was discussed in this post. In Appin Realty Corporation Limited v. Economical Mutual Insurance Company, the Court … Continue reading

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Court Applies Derksen to Order Defence by Both CGL and Auto Policies

In Derksen v. 539938 Ontario Limited, the Supreme Court of Canada ordered both an auto and a CGL insurer to defend a personal injury action. It determined that there had been concurrent causes of the injuries, one covered by the … Continue reading

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CGL Exclusions Held Not to Apply

AXA Insurance (Canada) v. Ani-Wall Concrete Forming Inc. involved the familiar “your work”, “your product” and “rip and tear” exclusions in a CGL policy. A concrete forming contractor, Ani-Wall Concrete Forming, was alleged to have used defective concrete in constructing … Continue reading

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Duty to Defend Held to Exist, Despite “Anti-Concurrent Causation” Clause in Policy

Decision of Justice Kershman dated Aug 10, 2007.pdf  Our office acted for the insured in what is, so far as we can determine, the first decision to consider whether a duty to defend was owed by an insurer whose policy … Continue reading

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Insurer Owes No Duty to Defend Additional Named Insured When It is Already Defending Named Insured

Madam Justice Nancy M. Mossip has refused to order an insurer to undertake, in whole or in part, the defence of an additional named insured. She reasoned that since the insurer was already defending its named insured, there was no … Continue reading

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C.A. Says Relief from Forfeiture only Available for Post-loss Events

In Williams v. York Fire & Casualty Insurance Company, released today by the Court of Appeal, the court was dealing with a fact situation that often comes up. A driver was involved in an accident. When the accident occurred, the … Continue reading

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Voids in Soil Held to be “Property Damage”, Resulting in CGL Coverage

Madam Justice Janet Wilson of the Ontario Superior Court has released a significant decision in the interpretation of commercial general liability insurance policies. In York Region Condominium Corporation No. 772 v. Lombard Canada, she rejected coverage arguments raised by Lombard … Continue reading

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Negligent Placement of Ladder on Roof of Truck Excluded Under CGL

In Cumis General Insurance Company v. 1319273 Ontario Ltd., Mr. Justice David Brown dealt with an interesting coverage dispute. Cumis had applied for a ruling on whether it owed a duty to defend its insured, the numbered company, in an … Continue reading

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Late Notice of U.S. Trademark Infringement Claim Means No Insurance Coverage for Related Claim in Canada

Mr. Justice Roydon J. Kealey of the Superior Court has granted summary judgment, dismissing the plaintiff’s action in Ideal Roofing Company v. Royal & SunAlliance Insurance Company. Our office acted for Royal, the successful moving party. The basis of the … Continue reading

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1991 Installation of Fireplace Held to be ‘Accident’ Triggering Coverage for 2003 Fire Claim

    [This post contains a correction at the end, dealing with the apportionment of contributions between the two policies. We had previously said that contribution by equal shares had been ordered; in fact, Power J. ordered proportionate contribution by policy … Continue reading

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