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Latent Defects, Pre-purchase Inspections and Good Faith

The Facts In 2009, Louise Champagne (“Champagne“) and her husband purchased a house in Morin-Heights. They obtained a pre-purchase inspection report, which revealed a number of problems: Cracks in the foundation, one of which posed a risk of water infiltration; A lack of adequate flashing between the balcony structure and the exterior walls, posing a […]

Defence Costs Battle Between Multiple Insurers : the Insured is No Pawn

In Intact Compagnie d’assurance v. Lavoie, the Court of Appeal of Quebec ruled that an insured who was already being completely defended by several of its liability insurers lacked the legal interest to compel another of its insurers to contribute to defence costs. The decision stands for the proposition that an insurer cannot use the insured […]

Caught Red-Handed: Anatomy of a Publicly Broadcast Dismissal

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Was the collapse natural?

In the recent decision Weber v. Société d’assurance Beneva inc., 2024 QCCS 622, the Superior Court reiterated the principles applicable in a dispute over the application of an insurance policy and its exclusions. Brian Weber and Fiona Buell were suing their insurer, Société d’assurance Beneva inc. (“Beneva”), asking that Beneva indemnify them for damage to […]

Defending an injunction and punitive damages? Yes, says the Court of Appeal!

On April 18, 2024, the Court of Appeal of Quebec (the “Court”) rendered a judgment of prime importance in Promutuel Vallée du St-Laurent, société mutuelle d’assurance générale v. Noyrigat-Gleye, 2024 QCCA 447, concerning the duty to defend claims for injunctive reliefs and punitive damages. The Court also seizes the opportunity to indicate in which cases […]

Lifetime Employment Contracts and the High Price of Ending Them

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Is it transported? Is it stored? You may have to defend!

In the recent decision Intact Compagnie d’assurance c. Entreprises Transkid inc., 2024 QCCS 16, the Superior Court of Quebec (the “Court”) was tasked with determining if a global transportation insurance policy providing civil liability insurance coverage in respect of goods transported by truck could extend to temporary storage. The Facts This matter concerns the theft […]

Handling Of Claims By Insurers – Reminder Of A Few Principles

On February 12, 2024, the Court of Appeal rendered an interesting decision in a dispute between Société d’assurance Beneva Inc. (“Beneva”) and its insureds1. Origin of the dispute and judgment of the Superior Court The legal action was initially brought before the Superior Court by the insureds2, as a result of Beneva’s refusal to indemnify […]

Is Loss Of Enjoyment A Covered Loss?

The Court of Quebec recently ruled on this issue in Long BÉ Express Limited v. Service Routier ML Inc. and Intact Insurance Company. In the context of a “Wellington” Motion, Service Routier requested that its insurer take up its defence and assume its costs in the lawsuit brought by Long‑BÉ Express Limited. Service Routier offered […]

Even Judicial Discretion Has its Limits

On January 25, 2024, in the Liquidation de Groupe Dessau inc., the Superior Court of Québec rejected a settlement approval request in the context of the voluntary liquidation of several entities of the Dessau-Verreault-LVM Group (“Dessau“). This judgment addresses the limits of the discretionary powers of the court in voluntary liquidation matters. Overview of the […]
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