What Is A “Slip And Fall” Injury?
[vc_row][vc_column][vc_column_text]June 11, 2014 By Brian Babcock What is a “slip and fall” injury? Slip and fall is the term lawyers, judges and others involved in tort claims use to describe injuries which occur when someone slips, trips or falls. The injury might result from falls caused by: water ice or snow debris wet floors abrupt changes […]
April Showers and Insurance
[vc_row][vc_column][vc_column_text]March 19, 2014 By Brian Babcock Massive winter snowfalls in Thunder Bay increase the risk of spring flooding. We hope for a smooth and gradual melt, but if the worst happens, are you prepared? A few things to know about flooding and insurance: Most property insurance does NOT cover flooding. Each insurance policy is different and […]
Changes To Ontario Accident Benefits Will Affect Your Next Renewal
[vc_row][vc_column][vc_column_text]November 2, 2010 By Brian Babcock Effective September 1, 2010 the Ontario standard form automobile policy changed, for the fourth – or perhaps fifth – time in twenty years, to conform to new regulations relating to statutory accident benefits (sometimes referred to as “no fault benefits”). These are the benefits paid beginning immediately after an accident […]
How Much Liability Insurance Do I Need?
[vc_row][vc_column][vc_column_text]October 30, 2009 By Brian Babcock The short answer is as much as you can afford. For most people, liability insurance comes in 2 or 3 forms – home, auto and possibly business. In each case, the liability coverage limit is the maximum amount the insurer will pay on your behalf if you accidentally injure someone, […]
What Is Personal Liability Insurance, Or Umbrella Coverage?
[vc_row][vc_column][vc_column_text]October 16, 2009 By Brian Babcock The Ontario Court of Appeal recently upheld a jury verdict which assessed damages at over $15 million dollars for a motor vehicle case. After contributory negligence, the judgment was $9.5 million. Most automobile policies provide coverage of $1 million, and often insurers will only offer a maximum of two million. […]
Protecting Directors And Corporations With Directors & Officers Insurance
[vc_row][vc_column][vc_column_text]October 23, 2007 By Brian Babcock Many of us give back to our communities by serving as directors and officers of non-profit organizations. As with any other organization, officers and directors of non-profit organizations may be sued. There are also statutory liabilities for unpaid wages, withholding taxes, environmental infractions, and other matters. These are all designed […]
Go-kart Insurance Revisited: The Automobile Insurance Debate
[vc_row][vc_column][vc_column_text]August 27, 2007 By Brian Babcock Go-karts and similar recreational “toys” are particularly difficult to ensure, because, although they are vehicles, they are not automobiles, and therefore, automobile insurers are unlikely to insure them. Recently, a motions court judge in Southern Ontario considered an incident involving an amusement park go-kart. This judge extended coverage to the […]
Slip And Fall: An Ounce Of Prevention
[vc_row][vc_column][vc_column_text]January 5, 2007 By Brian Babcock The exceptionally mild winter in Thunder Bay has lead us to observe that systems for outdoor maintenance (clearing snow or ice, preventing run off from freezing) may need to be updated. What was reasonable for one set of conditions may be inadequate in milder weather. For instance, salt and chemical […]
When Is A Boat A Car?
[vc_row][vc_column][vc_column_text]October 24, 2006 By Brian Babcock While Canada’s Supreme Court did not actually say that a boat was a car in a recent decision, they did decide that the limits on damages under the Canada Shipping Act did not apply to injuries suffered when a doctor was injured by a bungee cord which struck his eye while he […]
Proving Liability In Slip And Fall Injury Made Easier
March 10, 2006 By Brian Babcock A recent case in the Ontario Court of Appeal has clarified what an injured person has to prove to show fault on the part of a parking lot owner or operator. In the case of Kamin v Kawartha Dairy, the injured Plaintiff slipped in the parking lot of the dairy. However, after […]