Are There Limits to GRC Coverage? The SCC says “Yes”.

By: Avi Sharabi and Dimitris Logothetis Introduction In Emond v Trillium Mutual Insurance Co[1], the Supreme Court of Canada considered the interpretation of a GRC (Guaranteed Rebuilding Cost) endorsement in a homeowners insurance policy. At issue was whether the policy’s compliance cost (i.e. bylaws, etc.) exclusion applied to the GRC endorsement. In short, the Court … Continued

Wong v Aviva Insurance Company of Canada: Guidance on Loss in Civil Fraud

By Felisia Milana INTRODUCTION The Ontario Court of Appeal upheld an auto-insurer’s denial of coverage to a mother-daughter duo who turned a motor vehicle accident into a case of civil fraud. The Court in Wong v Aviva insurance Company of Canada, 2024 ONCA 874[1] upheld the lower court’s analysis of Hryniak v Mauldin, 2014 SCC … Continued

A Question of Priorities

By Dimitris Logothetis Reviewed by Grant Ferguson INTRODUCTION “Priority” in the context of insurance law refers to the order of responsibility for insurers to pay out insurance claims to an insured. A priority dispute arises when there are multiple insurers or insurance policies, and more than one insurer/policy may cover the same loss. Such a … Continued

The Court of Appeal Supports the Use of Pierringer Agreements as a Vehicle for Achieving Settlements in Complex Multi-Party Litigation

By Avery Cameron Supervised by Andrea LeDrew   Introduction Cadieux v. Cadieux[1], is a 2025 Court of Appeal decision which considers when it is appropriate for the Court to decline approval of a Pierringer agreement. Justice George, writing for the panel, addressed the role of Pierringer agreements in facilitating settlements in complex multi-party litigation and … Continued

Reinforcing Certainty: The Court of Appeal Limits Arbitrator Discretion for Insurers under Ontario’s SABs regime

By Gary Cerriku and Douglas Treilhard In Echelon General Insurance Company v. Unifund Assurance, 2025 ONCA 324 (Echelon), the Ontario Court of Appeal clarified the proper interpretation of the regulation that governs disputes between automobile insurers over which insurer must pay Statutory Accident Benefits (“SABs”). Arbitrators adjudicating disputes under Regulation 283/95 (“Regulation 283”) of the … Continued