GUELPH, ON, Aug. 21, 2015 /CNW/ – The Co-operators is pleased to introduce L’Alliance des caisses populaires de l’Ontario as its newest member organization. The board of directors approved its membership, effective October 1, 2015, at which time the Canadian insurance and financial services co-operative will have 43 members, including co-operatives, credit union centrals and representative farm organizations.
“We’re pleased to welcome L’Alliance des caisses populaires de l’Ontario as our newest member, and look forward to strengthening the mutually-beneficial relationship between the two organizations,” saidKathy Bardswick, president and CEO of The Co-operators. “Caisses populaires and credit unions have a long history of involvement with The Co-operators, and we’re excited to be building upon that legacy of partnership.”
L’Alliance des caisses populaires de l’Ontario is a federation representing 12 member organizations that provide financial services and products in 23 communities in northeastern Ontario. Each affiliated caisse is a financial services co-operative that is owned and democratically controlled by its members. Through the provision of centralized services to its members, L’Alliance helps the caisses better meet the financial needs of their 55,000 members.
“We look forward to a long and successful partnership with The Co-operators. We believe that by working together we will share responsibilities, resources, competencies and benefits which will be valuable to our members and to our respective organizations,” said Lucie Moncion, president and CEO of L’Alliance des caisses populaires de l’Ontario.
A co-operative is owned and democratically controlled by members who use its services or products. The membership of The Co-operators consists of 43 organizations from every region of the country, representing the agriculture, finance, retail/consumer, service, health, and labour sectors of the Canadian economy.
About The Co-operators:
The Co-operators Group Limited is a Canadian-owned co-operative with more than $40 billion in assets under administration. Through its group of companies it offers home, auto, life, group, travel, commercial and farm insurance, as well as investment products. The Co-operators is well known for its community involvement and its commitment to sustainability. The Co-operators is listed among the 50 Best Employers in Canada by Aon Hewitt; Corporate Knights’ Best 50 Corporate Citizens in Canada; and the Top 50 Socially Responsible Corporations in Canada by Sustainalytics and Maclean’s magazine. For more information visit www.cooperators.ca.
SOURCE The Co-operators
For further information: Leonard Sharman, The Co-operators, 519-767-3937; Danielle Gagné, L’Alliance des caisses populaires, 705-474-5634
LETHBRIDGE, AB, Aug. 18, 2015 /CNW/ – Local teens that experience traumatic events in their lives will soon be able to turn to the YWCA Lethbridge & District for help on how to cope with life’s pressures and rebuild their self-esteem.
Economical Insurance, one of Canada’s largest providers of home, auto and business insurance, today provided $10,000 in association with McKillop Insurance brokers to the local YWCA for the expansion of the successful Project Child Recoveryprogram to make it appropriate for teenage adolescents in the area.
“A recent study by the University of Calgary revealed that the effects of witnessing or experiencing family violence can impact a child’s short- and long-term development and social adjustment,” said Lena Neufeld, acting chief executive officer of YWCA Lethbridge & District.
“Thanks to Economical’s generous funding, we are able to fully develop a six-week program where teens will be encouraged to talk about their feelings, develop healthy coping strategies, explore support systems, and enhance their self-esteem,” said Neufeld. “We will conduct facilitator training in September then launch the program with our first group of teens during our Week Without Violence event in the third week of October.”
“We are proud to make this donation to the YWCA so local teens that have been exposed to domestic violence can have a better chance to develop, adjust and become the best they can be in life,” said Chris Weber, Economical’s vice-president of sales and distribution for Alberta and the Prairies.
“We are delighted to be associated with Economical’s generous investment in our YWCA,” saidSonya McKillop, president of McKillop Insurance & Registry Services Inc. “Economical has a long history of giving back to communities across the country. This donation will certainly make a positive difference in the future of many right here in Lethbridge.”
Founded in 1871, Economical Insurance is one of Canada’s leading property and casualty insurers, with $2.0 billion in annual premium volume and $5.3 billion in assets as at June 30, 2015. Based in Waterloo, Ontario, this Canadian-owned and operated company services the insurance needs of more than one million customers across the country. Economical Insurance conducts business under the following brands: Economical Insurance, Economical, Western General, Economical Select, Perth Insurance, Family Insurance Solutions, Federation Insurance and Economical Financial.
About YWCA Lethbridge & District
YWCA Lethbridge & District is a not-for-profit organization committed to women and the enhancement of their lives by providing programs and services which empower them, support equality and promote wellness of mind, body and spirit. It brings attention to the issues of women and children in Southern Alberta, creates a voice for those who have none, and ensures the provision of ethical and socially-aware programming for women, youth and children.
SOURCE Economical Insurance
Forestry minister says disaster funds are legislated under specific circumstances
Article by Sudevi Mukherjee-Gothi
In the July 29th, 2015 decision in Lica v. Dhaliwal, Price J ordered that State Farm, the insurer of the Defendants provide the reasons and basis for the denial of coverage. State Farm insured the Defendants in this action. However, State Farm denied coverage and added itself as a statutory third party in the action. However, State Farm did not provide detailed reasons for the denial of coverage. The Court was to determine the following issues:
- Are the Plaintiff’s questions to State Farm relevant to the action
- Is State Farm required to answer the Plaintiff’s questions
- Is State Farm required to deliver an affidavit of documents
The Plaintiff brought a motion stating he required State Farm’s reasons for denial:
- To enable him to claim underinsurance coverage from his own insurer Intact Insurance Company pursuant to the OPCF 44R endorsement to his insurance policy from Intact
- For Intact to assess its potential liability and make an informed decision re: reserves in relation to this action
The Plaintiff had asked questions via written interrogatories regarding the denial of coverage by State Farm, which State Farm refused to answer.
The Plaintiff was involved in a motor vehicle accident on March 7th, 2011 and alleges that the Defendants’ vehicle T-boned his vehicle. The Defendants did not defend the action and were noted in default.
State Farm denied coverage for the following reasons:
- A material representation
- Lack of cooperation by the Defendants
When State Farm was added as a Statutory Third Party, the coverage applicable was reduced to $200,000.00, the statutory minimum. When State Farm denied coverage, the Plaintiff amended the Statement of Claim to add his own insurer Intact. Intact’s position was that it would be liable only if the Plaintiff’s claim exceed State Farm’s policy limits. Intact sent a letter to State Farm’s lawyer confirming that the underinsured coverage would not be triggered until there was a legal determination confirming State Farm’s denial of coverage and reduced policy limits.
The examination for discovery of State Farm was scheduled but the State Farm representative did not attend. State Farm refused to answer the written interrogatories that dealt with the denial of coverage to its insured. State Farm relied on the 2010 decision in Ahmed v. Maharaj. Which stated:
“as a general rule, issues of liability and insurance coverage therefore are to be kept separate (see:Gordon v. Pendleton, O.J. No. 3664) ….[a]ccordingly, an insurer added as a statutory third party should not be required to define or explain its position regarding any coverage issues in examination for discovery by other parties to the proceedings.”
Price J then examined the applicable rules in the Rules of Civil Procedure
Rule 31.06 (4) and (5) govern the scope of examination of a party in relation to an insurance policy. Those sub-rules provide:
31.06 (4) A party may on an examination for discovery obtain disclosure of,
(a) the existence and contents of any insurance policy under which an insurer may be liable to satisfy all or part of a judgment in the action or to indemnify or reimburse a party for money paid in satisfaction of all or part of the judgment; and
(b) the amount of money available under the policy, and any conditions affecting its availability.
(5) No information concerning the insurance policy is admissible in evidence unless it is relevant to an issue in the action.
Price J held that
Mr. Lica can access his insurance coverage under his OPCF 44R endorsement only if it is determined that State Farm was legally justified in denying coverage to its insured. State Farm’s refusal to answer the questions it was asked in this regard prevents the court from making this determination, and may affect Mr. Lica’s ability to be fully compensated for the losses he says he has suffered.
Most of the questions that State Farm has refused to answer are based on documents that it listed in Schedule “A” of its draft affidavit of documents. By listing these documents in Schedule “A”, State Farm acknowledges that the documents, and the subject matter to which they pertain, are relevant to the action.
Price J. then considered the Court of Appeal’s decision from 2011 in Maccaroni v. Kelly.
The Court of Appeal in Maccaroni held that it is not sufficient for a statutory third party to allege a breach of the conditions of its policy to reduce the limits of coverage available to pay third party claimants. That is, the court requires more than the statutory third party’s “say-so” to determine whether the limits of its liability are “reduced by operation of law”.  The court held that the words “by operation of law” in the OPCF 44R endorsement must have some meaning beyond a liability insurer merely denying coverage and settling on this basis. The third party liability coverage is intended as first-loss insurance, and the OPCF 44R as excess coverage. There must, therefore, be a legal determination that the third party liability coverage has been limited before the OPCF 44R excess coverage becomes available.[
Furthermore, based on Maccaroni, it was determined that since State Farm is a party to the action, it must be assumed that a statutory third party is required to answer relevant question as to its denial of coverage.
Price J further held that
Based on the foregoing, I conclude that where coverage has been denied, the court should determine whether an insurer must disclose the information and documents relating to its decision on a case by case basis, having regard to whether the documents are relevant, whether their disclosure at this time would cause prejudice, whether they are protected by litigation privilege and whether that privilege, if it exists, has been waived.
Information as to “material misrepresentation and lack of cooperation” may or may not affect Mr. Lica’s third party claim, and may or may not prejudice Mr. Dhaliwal and Mr. Nur in their defence, or involve litigation privilege. If State Farm has concerns in these respects, it is incumbent on it to submit an answer-by-answer analysis, so that the court can determine the relevance of the evidence for Mr. Lica and Intact against, the potential prejudice to Mr. Dhaliwal and Mr. Nur, and any claims of privilege. A hypothetical prejudice to State Farm’s insured does not justify a wholesale refusal by State Farm to answer the questions put to it.
In his order, Price J did state that if State Farm was of the opinion that the answers to the interrogatories may prejudice the defence of the Defendants or raise an issue of prejudice, then it may seal its answers and tender them to the Court for review, with a letter outlining specific concerns. Accordingly, the relief sought was granted.
Price J recognized the issue of privilege and provided a way to protect any allegations of privilege. However, simply asserting privilege is not going to allow an insurer “an out” to explain the basis for its denial of coverage in this context.
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.
By Cam Fortems, Kamloops This Week
THE CANADIAN PRESS
KAMLOOPS, B.C. – An insurance company must pay a homeowner for the loss of a house and its contents in an arson following an RCMP raid of a marijuana grow operation, a judge has ruled.
Wawanesa Insurance Co. denied benefits to Steven Davidson, arguing he knew about the grow-op in the basement of his house.
However, B.C. Supreme Court Justice Shelley Fitzpatrick ordered Wawanesa to pay Davidson, who represented himself at the trial, $215,000.
The remaining amount of $211,000 for the loss was paid to a bank that had a mortgage on the house.
During the raid, in April 2010, police found more than 600 plants, property they believed was stolen, and illegal firearms.
The next day, the house was destroyed in an arson.
At the time, Davidson was working as a contractor setting up illegal grow operations near 100 Mile House.
Court heard he has a dated criminal record for forgery and possession of stolen property.
Davidson was on bail for assaulting his wife, though charges were later dropped, and banned as part of a court order from being within 100 metres of his house, where she lived.
He argued that since he was working away from Kamloops, and banned from being at the home, he did not know about the grow-op.
While Davidson did make a visit to his house anyway, he testified that he did not notice a basement door drywalled shut and painted over.
“This is a case close to the line,” Fitzpatrick said in her ruling.
“But, I accept the evidence of Mr. Davidson and find, as a fact, that he did not know of the grow operation or even the other activities relating to potentially stolen property or potentially illegal firearms over the relevant period of time leading up to the fire.”
Wawanesa originally argued Davidson was responsible for the arson, but later dropped that contention.
The insurance company relied in part on its policy, which voids coverage in the event of marijuana production, whether or not the insured even knows about it.
However, Fitzpatrick said there is no evidence the arson had any connection to the grow-op, despite the suspicious timing.
The insurer also obtained video shot in March 2010 and shown in court, of Davidson discussing a visit to his home.
“Are you telling me she hasn’t got the basement fired up again?” an unidentified male asked Davidson in the video.
“Not very well,” he replied, adding what he’d seen ‘down there “was ” very pathetic.”
“I told her at the end of May that should be enough time to get her program finished, you know, get it up and running and finished,” he said, adding he would then sell the house.
Davidson argued “her program” referred to Boucher’s psychiatric program. (Kamloops This Week)