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Insurance Law

May 11, 2026

No Notice of Default, No Termination

In Pavage Wemindji Inc. v. Compagnie de Construction et de Développement crie ltée, the Quebec Superior Court emphasized that a valid notice of default (mise en demeure) is not just a formality—it’s a precondition to exercising remedies like contract termination in many cases under Quebec civil law. The Decision The plaintiff, Pavage Wemindji Inc. (“Wemindji”), […]
Insurance Law / Newsletters

August 5, 2025

Latent and Costly Defects

Can buyers of a property with latent defects resell it and claim from their seller the difference between the two transactions? This is one of the questions addressed by the Superior Court in Ouellette c. Blais, 2024 QCCS 1025, upheld by the Court of Appeal on May 26, 2025. The Facts: Charmed by a large […]
Insurance Law

October 18, 2023

Can an Insured Have Their Cake and Be Indemnified for It Too?

The Sainte-Rose-du-Nord1 decision rendered by the Superior Court presents an interesting scenario that arose in the context of a Wellington motion. The Facts The Municipality of Sainte-Rose-du-Nord (the “Insured“) held two civil liability policies issued by the Fonds d’assurance des municipalités du Québec (the “Insurer“), one for general liability and the other for errors and […]
Insurance Law / Newsletters

August 26, 2022

A Reminder of the Basic Differences Between a Builder’s Risk Policy and a Liability Policy

In the recent case of Bridor inc. c. 90784497 Québec inc., 2022 QCCS 2496, the Superior Court ruled on the fundamental distinctions between a Builder’s Risk policy and a liability insurance policy. Bridor inc. [Bridor] had retained the services of Construction Milkado [Mikado] as a construction manager to oversee the expansion of its plant. In […]