Faith-based places anchor and shape communities. In addition to fulfilling their spiritual mission, they serve as prominent physical landmarks and symbols of collective heritage, and have been gathering places for generations.

D&O is one of many commercial lines in a hard market. From 2004 to 2019, the line of business had soft market conditions, when rates continuously decreased as a result of the high capacity in the market. Eventually, losses began to mount as insurers continued writing the line and many markets have ceased writing D&O completely.

People love their pets. As trusted companions and family members, they rely on us for their health and well-being. Pet owners are, therefore, as concerned about the quality and safety of their pet food as they are about the food they eat themselves.

As the hospitality industry in Canada reopens its doors, patios are also beginning to open. Several weeks of pleasant weather are still ahead of us, so you should ask restaurants, hotels, and pubs about their insurance coverage while the summer is still in full swing.

A commercial property is generally any property that is not solely residential. As such, even a mixed-use property that is intended for residential and commercial purposes can still be considered commercial. It can include buildings ranging from a large shopping mall to a small standalone office. Even community buildings like churches or schools are considered commercial, though they are considered special-purpose buildings.

The Law Society Act, Insurance Act, and the Solicitors Act were all amended in 2016 as a result of arguments from insurers regarding disclosure of how lawyers' and paralegals' fees are calculated. (1) Once passed into law that same year, Bill 12 required that any fee agreement with a lawyer or paralegal disclose how the fee is calculated. Disclosures must be easy for the consumer to understand and prominent.