TORONTO, June 29, 2020 /CNW/ – Today, the Ontario government announced the creation of a new task force to improve provincial oversight of the towing industry. The task force will help develop a regulatory model to increase safety and enforcement, clarify protections for consumers and improve towing industry standards. It will also consider tougher penalties for offenders.
“IBC applauds the Ontario government for taking action against criminal activity and violence in the towing industry,” said Kim Donaldson, Vice-President, Ontario, IBC. “Insurance fraud is a safety issue for consumers. Lives can be put at risk as a result of these criminal actions. Insurance fraud costs Canadians in higher insurance premiums, and strains our already burdened health care services, emergency services and court systems,” added Donaldson.
The task force will review a number of topics related to the towing industry, which could include provincial oversight of safety, consumer protection, improved industry standards, training and background checks.
As part of the review, the task force may consider opportunities for increased protections for consumers against the first-to-scene unethical business practices that lead to accident chasing, insurance savings through a crackdown on insurance fraud rings, and improved consumer choice for payments and repairs. The province is also reviewing ways to clear accidents faster from the roadside, which would minimize lane reductions and reduce congestion on Ontario highways.
About Insurance Bureau of Canada
Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market in Canada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, auto and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.
P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 128,000 Canadians, pays $9.4 billion in taxes and has a total premium base of $59.6 billion.
For media releases and more information, visit IBC’s Media Centre at www.ibc.ca. Follow us on Twitter @IBC_Ontario or like us on Facebook. If you have a question about home, auto or business insurance, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.
SOURCE Insurance Bureau of Canada
The excerpted article was written by
Some travellers are questioning why they are still paying for travel insurance when the Canada-U.S. border remains closed to all non-essential travel due to the COVID-19 pandemic.
Gail Bourne travels to the United States at least twice a year. The Vancouver resident says she bought an annual travel insurance policy with BCAA for $845.21 for coverage between Nov. 9, 2019 and Nov. 9, 2020. However, when the borders shut down this past March, her travel plans were put on hold.
“I just thought it was unfair that I’m paying for something I can’t do,” Bourne said.
Bourne has been a BCAA member for 51 years. She says she reached out to BCAA to cancel her insurance or at least extend her current policy but says she was initially denied.
“I felt slighted. I had been a faithful customer for all these years and they wouldn’t do anything for me,” she said.
Consumer Matters reached out to BCAA on Bourne’s behalf. BCAA told Global News under normal circumstances once a customer uses their annual policy to travel there is no refund, but also acknowledged these are not normal times and states it’s looking at these situations on a case-by-case basis.
Bourne says within days of Consumer Matters reaching out, BCAA agreed to give her a partial refund of more than $400 with her policy still in effect until November 2020.
North Vancouver resident John Rowlands didn’t have the same success when it came to getting a refund for his wife’s travel insurance. She has MEDOC travel insurance, an annual 17-day base travel plan with Johnson Insurance. Her premium is $913 with monthly deductions of $75.31 a month. The policy states it cannot be cancelled until the end of the policy year.
“What are we paying for? It’s supposed to be for travel insurance and yet it means nothing,” he said.
When contacted by Consumer Matters, Johnson Insurance stated:
“Our annual base plans have a fixed one-year term and are designed to cover multiple trips, allowing customers to take advantage of trip cancellation, trip interruption and medical coverage throughout the year. Clients with specific questions about their policy should contact us directly.”
The Canadian Life and Health Insurance Association (CLHIA), which represents life and health insurance providers, says typically an annual travel plan covers an individual for any travel taken over 12 months. In most cases, a policyholder may cancel an annual plan as long as there has been no travel taken in that period.
However, once travel occurs, the plan can’t be cancelled because the plan works by spreading the insured’s risk over the term of the plan. Still, many insurers it says have offered to extend coverage on annual plans during the pandemic.
Once the border opens to non-essential travel, the CLHIA recommends the following for travel outside of Canada:
- Check with insurer to see if your current workplace travel insurance, or the policy offered by the insurer includes treatment related to COVID-19 outside Canada
- Know the entry requirements for the country (eg. 14-day quarantine, COVID-19 tests)
- Ensure travel insurance coverage for entire duration of trip
- Consider purchasing “cancel for any reason” trip cancellation insurance for maximum flexibility
Source: Global News
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ILS Corp is an industry leader in Canada, providing internet-based insurance training. Building on more than two decades of live insurance training, in 2000, ILS Corp went online with ilscorp.com and became the first independent organization to offer online continuing education and insurance licensing preparation training. In 2007, ILS Corp offered the first insurance education courses in a video-streaming format. Today, ILS Corp continues to be the insurance training course provider of choice for more than 21,000 Canadian insurance professionals.
We are a company built on a deep network of expertise, and our IT teams are extremely skilled at creating progressive solutions in an ever-changing online education field.
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As title insurance can be a difficult concept to understand, we have set out to describe relevant aspects of title insurance, as well as the alternatives to title insurance, in order to help better inform purchasers.
Coalition, the leading cyber insurance and security company in the US, today announced it is expanding its offering to Canada-based companies, providing proactive cybersecurity products and services and best-in-class cyber and technology error & omissions insurance to help keep businesses safe. Coalition will offer up to CAD $20 million of comprehensive insurance coverage supported by the financial strength of Swiss Re (A.M. Best A+) to companies with up to CAD $1 billion in annual revenue. Through Coalition’s online platform, licensed insurance brokers are able to generate a quote in minutes and also provide their clients with access to Coalition’s proprietary cybersecurity tools and services that are designed to detect, mitigate, and contain threats at no additional cost.
Cyber threats know no boundaries — technology has introduced a range of new threats to businesses irrespective of their location that are not well covered by traditional insurers. Coalition’s global cybersecurity platform provides businesses the risk management support they need most, including help preventing incidents in the first place, and support during and after a crisis. With this expansion, Coalition is proud to advance its mission to solve cyber risktogether with Canadian businesses by not only helping to prevent cyber attacks, but helping businesses survive them when they occur.
“Cyber risk is a global problem in need of a global solution,” said Shawn Ram, Head of Insurance at Coalition. “The future of cyber security and insurance are integrated solutions to protect against cyber incidents across all asset types. We’re excited to make this future a reality across the Canadian market.”
Coalition’s approach to cyber insurance is rooted in risk management and mitigation, bringing together cyber security expertise with the safety of insurance to provide the first truly holistic approach to solve cyber risk:
- Risk mitigation: Coalition provides free cybersecurity tools to help businesses manage and mitigate cyber risk, and comprehensive cyber insurance to help them recover after an incident. Coalition’s comprehensive solution helps companies improve their cybersecurity, mitigate incidents when they occur, and help companies recover financially in the aftermath.
- Superior claims handling and incident response: all policyholders receive 24/7/365 access to Coalition’s in-house team of security and incident response experts. Together with hand-picked partner firms (including public relations, legal, and crisis management experts), Coalition stands ready to help organizations quickly recover from a cyber incident.
- Aligned incentives: Coalition is changing the paradigm in cybersecurity by aligning economic incentives with its customers. Unlike a traditional cybersecurity company, Coalition shares its customer’s incentives to prevent and mitigate losses.
“Coalition is more than just an insurance solution,” said Joshua Motta, CEO of Coalition. “Our expansion into Canada will give us greater visibility into cyber losses, and even more resources to combat cybercrime, on a global basis.”
For more information, visit coalitioninc.ca.
Coalition is the leading provider of cyber insurance and security, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Backed by leading global insurers Swiss Re Corporate Solutions, Lloyd’s of London, and Argo Group, Coalition provides companies with up to USD $15 million of cyber and technology insurance coverage in all 50 states and the District of Columbia, as well as CAD $20M of coverage across all 10 provinces in Canada. Coalition’s cyber risk management platform provides automated security alerts, threat intelligence, expert guidance, and cybersecurity tools to help businesses remain resilient in the face of cyber attacks. Headquartered in San Francisco, Coalition has presences in New York, Los Angeles, Chicago, Dallas, Washington DC, Miami, Atlanta, Denver, Austin, and now Vancouver and Toronto.
The excerpted article was written by Jun 16, 2020 | Coverage, Cyber and Privacy
In a recent decision an Ontario court found that an insurer has a duty to defend both the main action and a third party claim in a privacy class action stemming from the disclosure of an allegedly defamatory report authored by the Family and Children Services of Lanark (“FCS”). The report was stored in a secured portion of the FCS website prior to being exposed by a hacker and posted on various internet sites viewable by the general public. The individuals whose personal information was exposed in the report initiated a class action against, among other parties, FCS and Laridae Communications Inc. (“Laridae”).
Laridae, a third party in the class action, was retained by FCS to ““review and refresh” FCS’s website to ensure that the new website and its components are compliant with privacy and other legislative requirements”.
The insurer in question issued two policies to Laridae; a CGL policy and an E&O policy. The insurer admitted that the claims would be covered by the policies, but for the application of the “data” exclusions in each policy, which differed significantly.
The relevant exclusions provided as follows, according to the decision:
The “data exclusion” clause contained in the E&O Policy provides as follows:
There shall be no coverage under this policy in connection with any claim based on, attributable to or arising directly, or indirectly from the distribution or display of “data” by means of an Internet Website, the Internet, an Intranet, Extranet, or similar device or system designed or intended for electronic communication of “data”.
The“ data exclusion” clause contained in the CGL Policy (wherein Laridae is the primary insured and FCS is an additional insured) states:
- Liability for:
- erasure, disruption, corruption, misappropriation, misinterpretation of “data”;
- erroneously creating, amending, entering, deleting or using “data”;
Including any loss of use therefrom;
- “Personal injury” arising out of the distribution or display of “data” by means of an Internet Website, the Internet, an intranet, extranet, or similar device or system designed or intended for electronic communication of “data”.
All parties agreed that these specific exclusions had not been interpreted by any court in a prior decision. Despite that, the insurer brought an application for a declaration that it did not have a duty to defend either Laridae or the FCS in the class action.
The Court started from the proposition that as long as there is a “possibility” that one or more of the claims being brought might be covered by the applicable policy, then the insurer would have a duty to defend. The Court noted that the claims being advanced were quite broad and went well beyond simple publication or distribution of data. Based on the broad spectrum of allegations and claims, the Court found that there were at least some claims in the statement of claim that were possibly covered, and as such found that the insurer owed a duty to defend.
The Court also found that given the lack of any jurisprudence on the application of the data exclusions, it was not prepared to accede to the insurer’s denial of a duty to defend at a preliminary stage, and stated that any such determination should be made with a more fulsome record. Considering this position, one wonders what might have been missing from the record before the court in the present applications.
Having found that the insurer owed the Defendants a duty to defend, the insurer was order to pay for counsel of the insured’s choice, and that counsel has no obligation to report to the insurer.
See: Laridae v. Co-operators, 2020 ONSC 2198