What Is “Total Disability?”
January 20, 2023 By Nick Melchiorre The phrase “total disability” is used frequently in government benefits and private disability insurance plans. But how do you know whether you, your employee, or a loved one is totally disabled? The first thing to know is that the determination will depend primarily on the particular legislation, plan, regulation, […]
How Much Automobile Liability Coverage Do I Need?
October 14, 2022 By Brian Babcock No matter how often we try to explain to clients or others that insurance brokers are the best people to ask, this is probably the question we get most often about insurance. THE ISSUE If you are at fault in an accident, your personal assets and income may be […]
Check Your Insurance
September 11, 2022 By Brian Babcock If you are like most of us you think about your property insurance – either commercial or personal – once a year upon renewal, if then. THE ISSUE As with any other type of insurance, you need to review your property insurance anytime you have a significant change – […]
When Is A Second Discovery Necessary?
April 24, 2022 By Brian Babcock Oral examinations for discovery out of court are a long established means of preventing “trial by ambush” under Ontario’s Rules of Civil Procedure. In most cases, each party is allowed to examine the others once, with time limits that may be extended where appropriate. Each person examined must correct […]
What is Promissory Estoppel?
April 2, 2022 By Brian Babcock Promissory estoppel is the legal system’s version of “no backsies”. More formally, it is an equitable defence designed to protect you if another person attempts to back out of a promise after you have changed your legal position in reliance upon the promise. In Trial Lawyers Association of British […]
Nothing but the Facts: A Story About Interpreting Contracts
March 26, 2022 By Brian Babcock It is dangerous to fall in love with an attractive legal quotation and expect that it will decide your case in your favour. Most lawsuits are ninety per cent about the facts and only ten per cent about the law. That is a truism that I was taught many […]
Rethinking the Meaning of Core Policy Decisions
February 13, 2022 By Mark Mikulasik What is a “core policy decision immune from negligence liability”? In Nelson (City) v. Marchi, the Supreme Court of Canada confirms that: municipalities are immune from liability for policy decisions. the onus is on the municipality to prove that an injury results from a ‘core policy’ decision, rather than […]
Punitive Damages and Workplace Injuries
August 6, 2021 By Brian Babcock Punitive damages might not be as limited as suggested by our recent articles on the subject. The Ontario Court of Appeal decision in Eynon v. Simplicity Air Ltd. is a useful reminder that each case turns on is own facts, and the facts of that case are startling. Outrageous […]
Will your insurance deliver?
July 5, 2021 By Brian Babcock Are you driving your own vehicle to do deliveries or other work? If so, you need to inform your automobile insurer of that fact, or you may find yourself without coverage following an accident. In the emerging “gig economy”, this well established concept of insurance law will have application […]
What is Reasonableness?
June 22, 2021 By Brian Babcock Judicial review is the mechanism by which courts supervise the actions of statutory decision makers. Typically, we think of formal tribunals, ranging from labour arbitrators to Human Rights Tribunals, or government officials. There are other, less common decision makers who exercise statutory powers which affect everyday life. How do […]