Regulatory changes, rate filings, product launches and market moves across Canadian insurance — summarised and analysed daily.
Aviva used surveillance footage showing an insured active at a gym and a salon to challenge a roughly $1,300 claim for a robotic cleaner, according to a report on the case. The dispute illustrates how thoroughly Canadian insurers now test whether claimed items and limitations are medically justified.
Read the analysis →A Canadian benefits broker is warning that employees across the country routinely overlook the details of their employer-sponsored group benefits plans — only engaging with their coverage when something goes wrong. The pattern leaves workers underprepared when they actually need to use benefits such as disability, mental health, or paramedical services.
Read the analysis →Industry analysts warn that while Canadian property and casualty insurers continue to enjoy favourable market conditions, accumulating risk factors could quickly shift the cycle.
Read the analysis →A Canadian insurance tribunal has ordered Intact Insurance to pay an award in a claims dispute after roughly a year passed with no explanation for the delay, according to a report on the ruling. The decision turns on how the insurer handled the file rather than on whether coverage existed in the first place.
Read the analysis →A Canadian insurance tribunal has found that an insurer’s own medical examiner undermined its decision to treat a claimant’s injuries as minor. The case highlights how insurer-commissioned assessments can become key evidence in disputes over auto insurance benefits.
Read the analysis →A forklift operator with persistent shoulder pain has successfully challenged CAA Insurance's application of the minor injury cap, with the court ruling the injury falls outside the definition of a minor injury. The decision has implications for how insurers assess and classify soft-tissue and orthopedic claims under Ontario's auto insurance framework.
Read the analysis →A Canadian driver pursuing accident/income replacement benefits has seen the action dismissed after failing to meet a key tolling deadline in their dispute with Definity. The ruling underscores how procedural timing can override the merits of an insurance claim, leaving claimants without the income protection they were counting on.
Read the analysis →Environment Canada has issued its third frost advisory for the Greater Toronto Area in the past month, an unusually active start to the cold-weather season that typically triggers a wave of insurance claims tied to frozen pipes, water damage, and vehicle issues.
Read the analysis →Roughly 850,000 British Columbians took part in earthquake preparedness drills, yet insurance industry data continues to show that a large share of households in the province still lack dedicated earthquake coverage, leaving them financially exposed to a major Cascadia Subduction Zone event.
Read the analysis →Roughly 850,000 British Columbia residents took part in a province-wide earthquake preparedness exercise, underscoring the region's awareness of seismic risk from a potential Cascadia megaquake. Insurers and brokers warn that participation in drills has not translated into widespread earthquake coverage, leaving a large share of households financially exposed if a major event strikes the Pacific coast.
Read the analysis →A British Columbia driver is challenging an ICBC decision that placed him at fault after a firetruck struck his vehicle, raising questions about how insurers assess liability in collisions involving emergency vehicles. The case highlights the challenges consumers can encounter when disputing fault determinations with their insurer.
Read the analysis →Manulife is attaching a complimentary international eSIM to its travel insurance policies, expanding beyond traditional coverage to offer travellers mobile connectivity as part of a broader 'travel companion' strategy.
Read the analysis →GreenShield, one of Canada's largest health benefits providers, has announced it is opening its menopause care program to all Canadians at no cost, regardless of whether they hold an existing GreenShield policy. The move broadens access to specialized support that has historically been limited to plan members, marking a notable shift in how menopause-related health services are delivered across the country.
Read the analysis →PLATFORM is extending its life insurance operations into Alberta, supported by two senior executive hires, signalling a strategic move into the Western Canadian market.
Read the analysis →The Insurance Bureau of Canada is pressing federal and provincial governments to take stronger steps on flood prevention, warning that a national flood-risk mapping resource developed for public use has been left largely unused, leaving Canadians in flood-prone regions without clear information about their exposure.
Read the analysis →Manitoba Public Insurance has suspended coverage on roughly 3,000 rideshare vehicles whose drivers were carrying paying passengers under standard personal auto policies. The province's public insurer is enforcing rules that require commercial coverage for any vehicle used in paid passenger transport.
Read the analysis →A Canadian homeowner who was approved for roughly $477,000 to rebuild after a loss reportedly could not find a single contractor willing to take the job at that price. The case underscores a widening gap between what rebuilding-cost calculators say a home is worth to reconstruct and what tradespeople are actually willing to charge in today's market.
Read the analysis →Intact Financial has secured a legal victory in a $161,700 dispute with Tesla related to a Model X fire. The ruling represents a significant outcome in the ongoing tension between insurers and electric vehicle manufacturers over liability for battery-related fires.
Read the analysis →A recent survey reveals that 68% of Canadians worry their retirement savings will run out before they do, highlighting a growing concern about longevity risk across the country. The findings underscore how widespread financial insecurity in retirement is shaping consumer attitudes toward insurance and guaranteed income products.
Read the analysis →A tribunal ruling in Ontario has underscored the risks of insurers relying on generic, template-based claim denials. The decision signals that insurers must back rejections with case-specific reasoning tied to individual policy terms and evidence.
Read the analysis →In a recent legal dispute, ICBC has taken the position that a child who left for school was still considered to be 'at home' for insurance purposes—a surprising interpretation that could affect how families understand their auto coverage. The case highlights how British Columbia's public insurer interprets key policy definitions in personal injury claims.
Read the analysis →Canada Life has introduced a change to its group benefits offering that allows Gen Z employees to direct some of their savings toward short-term financial goals while preserving employer matching contributions earmarked for retirement. The move acknowledges the unique financial pressures facing younger workers who often struggle to balance immediate needs with long-term planning.
Read the analysis →Canada Life has introduced new flexible workplace savings options aimed at Gen Z employees, signaling a broader shift in how group benefits are designed for younger Canadian workers.
Read the analysis →A plaintiff whose crash-related lawsuit was defended successfully by Aviva has filed a new action against the insurer. The case highlights how dismissed claims can resurface in Canadian courts, raising questions about litigation strategy and insurer exposure.
Read the analysis →A claimant's attempt to secure chronic pain benefits from Definity Insurance has been undermined by a missing year of documented doctor visits, highlighting how gaps in medical evidence can derail even seemingly legitimate injury claims.
Read the analysis →A recent legal dispute has resulted in a $4,959.75 insurance claim being denied against Security National after the claimant switched therapists mid-treatment. The case highlights how provider continuity can affect claim outcomes in Canadian insurance disputes.
Read the analysis →A catastrophically impaired claimant has lost their dispute against Intact Insurance regarding treatment costs, with the insurer prevailing on every contested dollar of medical expenses. The ruling highlights the challenges injured claimants face when seeking coverage for disputed treatments under their policies.
Read the analysis →Severe weather that swept through Toronto in September generated approximately $563 million in insured damages, CatIQ reports. The figure adds another costly catastrophe event to Canada's 2024 storm season and underscores growing climate-related risk in urban centres.
Read the analysis →Manitoba Public Insurance is partnering with Mothers Against Drunk Driving to bring road-safety education directly into schools, responding to data that shows young drivers in the province are at elevated risk of impairment-related incidents. The initiative aims to shape attitudes before new drivers hit the road and reinforce the long-term insurance and safety consequences of impaired driving.
Read the analysis →A Canadian insurance legal decision has found Intact Insurance in breach of its good-faith obligations tied to a $74,000 demolition contract. The ruling highlights how insurers handle claim-related demolition approvals, payments, and communication with policyholders.
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Roughly 850,000 British Columbians took part in earthquake preparedness drills, yet insurance industry data continues to show that a large share of households in the province still lack dedicated earthquake coverage, leaving them financially exposed to a major Cascadia Subduction Zone event.
Roughly 850,000 British Columbia residents took part in a province-wide earthquake preparedness exercise, underscoring the region's awareness of seismic risk from a potential Cascadia megaquake. Insurers and brokers warn that participation in drills has not translated into widespread earthquake coverage, leaving a large share of households financially exposed if a major event strikes the Pacific coast.
Severe weather that swept through Toronto in September generated approximately $563 million in insured damages, CatIQ reports. The figure adds another costly catastrophe event to Canada's 2024 storm season and underscores growing climate-related risk in urban centres.
Catastrophe modellers have revised the estimated insured losses from the August storms across Ontario and Quebec to roughly $491 million, with Ottawa's flash flooding driving the increase. The updated figure underscores the growing severity of inland flooding events in Canada's most populous provinces.
A Nor'easter-driven storm surge has battered coastal communities in Atlantic Canada, with damage from rising seawater falling outside the scope of most standard home insurance policies. The event is drawing renewed attention to a long-standing coverage gap, as Canadian home contracts typically exclude overland flooding and tidal surge. Homeowners without specialized endorsements could be left to absorb repair and cleanup costs on their own.
A costly storm season in Ontario has renewed attention on the fact that most standard home insurance policies in Canada exclude overland flood coverage, leaving many homeowners exposed to significant repair and replacement costs after severe weather.
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