Manulife appoints Chief Marketing Officer for Canada

Manulife announced that it has appointed Glenn Hollis as Senior Vice-President and Chief Marketing Officer, Canadian Division for Manulife.  Reporting to the President and CEO of Manulife Canada, Marianne Harrison, Hollis will also be a member of the Canadian Division Executive Leadership Team.

“Manulife is innovating to create new and extraordinary customer experiences to set us apart from the competition and become a leading disruptor in our industry,” said Harrison.  “Glenn brings transformational leadership to execute a truly innovative and integrated marketing strategy that builds on our brand in Canada.”

Glenn Hollis was most recently with Level 5 Strategy Group as a Senior Strategic Consultant working on various businesses and also directly, through his own consultancy practice, with WestJet as a client.  From 2007 to 2015, he was Vice President, Marketing, Brand Strategy and Guest Experience (Canada, USA, & International) with Tim Hortons.  Prior to his tenure at Tim Hortons, Hollis worked at the Canadian operations of some of the world’s leading advertising agencies, including J. Walter Thompson, Young and Rubicam, BBDO, and Saatchi & Saatchi.

About Manulife
Manulife Financial Corporation is a leading international financial services group providing forward-thinking solutions to help people with their big financial decisions.  We operate as John Hancock in the United States, and Manulife elsewhere.  We provide financial advice, insurance and wealth and asset management solutions for individuals, groups and institutions.  At the end of 2014, we had 28,000 employees, 58,000 agents, and thousands of distribution partners, serving 20 million customers.  At the end of September 2015, we had $888 billion (US$663 billion) in assets under management and administration, and in the previous 12 months we made more than $23 billion in benefits, interest and other payments to our customers.  Our principal operations are in Asia, Canada and the United States where we have served customers for more than 100 years.  With our global headquarters in Toronto, Canada, we trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges and under ‘945’ in Hong Kong.  Follow Manulife on Twitter @ManulifeNews or visit or

SOURCE Manulife Financial Corporation

For further information: Media Contact: Sean B. Pasternak, Manulife, 416-852-2745,; Investor Relations: Robert Veloso, Manulife,, 416-852-8982


Risky Business: Covenants To Insure In Commercial Leases

Article by Jamie Spotswood

Clyde & Co

Covenants to insure in commercial leases are special. They obligate a party to obtain insurance. But what makes them special is that they are interpreted to relieve the other party of liability for breaches of that party’s obligations under a lease that relate to the risk being insured against. While it is true that a covenant to insure is one of several clauses in a lease that allocates risk between the landlord and tenant, the covenant often trumps the other clauses that are intended to assign risk when it is engaged.

The law is settled that in a landlord and tenant relationship a covenant to insure prevents the party who agreed to obtain insurance from successfully suing the other party for damages caused by the risk being insured against even if the other party would otherwise be liable for the loss. Subrogated claims in this regard are also barred. The commercial rationale for the immunity is that the party who obtains the insurance assumes the risk of the loss covered by the insurance. The insuring party must deal with its insurer for the loss not the other party to the lease.

The broad scope of the immunity is limited by the terms of the lease.  Claims that can be characterized as being unrelated to the obligations in the lease may prevail even if the loss that is the subject of the claim flows directly from the risk of peril that the insurance was intended to cover.  This is because the covenant to insure in a commercial lease operates as a matter of contractual law not insurance law, as the Court of Appeal for Ontario emphasized in Madison Developments Limited et al v. Plan Electric Co., [1997] O.J. No. 4249.

By way of example, a tenant’s claim against a landlord for breach of quiet enjoyment pursuant to a lease following a fire loss would be barred by a covenant to insure against the risk of fire.  On the other hand, a claim based on a pre-contractual representation that arises out of the same fire loss may prevail notwithstanding the presence of a covenant to insure in the lease.  The misrepresentation claim may proceed to the extent that the alleged misrepresentation does not engage the terms of the lease.

The Court of Appeal for Ontario recently considered this issue and the scope of a covenant to insure on an appeal from a motion to strike in D.L.G. & Associates Ltd. v. Minto Properties Inc., [2015] O.J. No. 5494.  The tenant, D.L.G. & Associates Ltd., had covenanted to obtain “all risk” insurance which included the risk of sewer back-up.  The tenant alleged that during the lease negotiations the landlord represented to it that the plumbing was in good order and it relied on these representations to its detriment. After a sewer back-up occurred, the landlord represented that the plumbing was in good repair going forward and that it carried out the necessary repairs, when in fact it had not done so.  A second sewer back-up occurred.  The tenant sued the landlord.

The tenant advanced claims in breach of contract, negligence, and negligent and fraudulent misrepresentation.  The landlord moved to strike the claims, in part, on the strength of the covenant to insure.  The motion judge held that it was plain and obvious that the tenant’s claims in breach of contract, negligence, and negligent misrepresentation were barred by the covenant to insure.  It was not plain and obvious that the fraudulent misrepresentation claim could not succeed.  The tenant appealed.

The Court of Appeal allowed the appeal in part, holding that the motion judge erred in striking the negligent misrepresentation claim.  Writing for the Court, Justice Doherty stated that the “covenant to insure was intended to assign risk within the operation of the contractual relationship between D.L.G. and Minto.  The alleged tortious conduct, be it fraudulent or negligent, occurred outside of that relationship.”  Thus, it was not plain and obvious that the negligent and fraudulent misrepresentation claims must fail.

It is somewhat counter-intuitive to think that the result may have been different if the lease contained a specific representation or warranty from the landlord that the plumbing was in good working order and had been repaired.  Of course, the intent of such a representation would be to assign the risk of a faulty sewer system to the landlord.  Had such a representation been included in the lease, the alleged misrepresentation claim would arguably come within the ambit of the contractual relationship and would be barred by the covenant to insure as a result.

D.L.G. Associates Ltd. underscores the importance of reading covenants to insure together with other clauses in the lease to fully understand how the parties to the lease intended to allocate risk as between them when litigation arises.

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.

Economical partners with MSA Research to provide sophisticated industry research to brokers in ON & AB

"Our new look is very distinct and will help to further differentiate our brand in the marketplace," said Economical's President and CEO Karen Gavan

WATERLOO, February 3, 2016 – Economical Insurance is pleased to be the new title sponsor of the MSA Quarterly Outlook Reports that will be distributed to the members of the Insurance Brokers Association of Ontario and the Insurance Brokers Association of Alberta beginning in April 2016.

MSA’s quarterly reports provide informative insight into the P&C insurance industry, including financial results for Canada’s insurers and updated Standard and Poor’s (S&P) financial strength ratings.

“Our sponsorship ensures that more than 1,500 P&C brokerage offices in Ontario and Alberta have access to the same material and industry insights that their carrier partners get from MSA Research each quarter,” said Tom Reikman, Economical’s chief operating officer. “This helps underscore our commitment to the broker channel by providing brokers with information they need to grow and succeed in the rapidly changing marketplace.”

“We’re extremely pleased that Economical has partnered with MSA Research, allowing IBAO and IBAA member brokerages to benefit from MSA’s Quarterly Outlook Reports,” said Joel Baker, CEO of MSA Research Inc. “The depth of research and analysis from this independent industry resource is important for them to remain competitive and relevant.”

“We’re very pleased that Economical will be supporting this initiative, which will give IBAO members special and regular access to updated industry data. Under this partnership, MSA Research will distribute its quarterly reports exclusively to our members,” said Jim Murphy, CEO of IBAO. “Being able to track and analyze current changes is a key strategic advantage, particularly since brokerage firms face market changes.”

“The ability for IBAA brokers to track and analyze up-to-date industry data is always crucial, but even more so this competitive and changing market,” said George Hodgson, IBAA CEO. “We applaud Economical’s partnership with MSA Research and the decision to share MSA’s quarterly reports with IBAA brokers. By sharing this independent and in-depth research on current market trends, Economical underscores the value of the broker channel and increases its ability to compete.”

About Economical Insurance
Founded in 1871, Economical Insurance is one of Canada’s leading property and casualty insurers, with approximately $2.0 billion in annualized premium volume and $5.3 billion in assets as at September 30, 2015. Based in Waterloo, 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.

For further information, contact:

Doug Maybee
Economical Insurance

Canadian Insurance companies make $100K donations to hospital

Cambridge Times

CAMBRIDGE – Transformation CMH, Cambridge Memorial Hospital’s $50-million fundraising campaign to build and equip the expanding hospital, has received another major donation.

Yesterday (Feb.1), the hospital’s foundation announced $100,000 has been received from Great West Life, London Life and Canada Life, which will be earmarked for the new patient care wing’s inpatient mental health dining and activity room.

In recognition of the donation, the hospital will be naming the dining and activity room in the three companies’ honour.

“Supporting Cambridge Memorial Hospital and their redevelopment efforts is a wonderful way to demonstrate how we support communities; in this case for those seeking help for mental illnesses,” said John Cleminson, regional director, Freedom 55 Financial (Tri Cities), a division of London Life Insurance Company, in a news release.

One-in-five Canadians experiences mental illness and addiction issues each year, and CMH has set the need to provide better facilities locally is a priority. Once construction is completed, the expanded hospital will accommodate a larger mental health program.

“This expansion is vital to assist those facing mental illness and the families who support them,” said hospital president and chief executive officer Patrick Gaskin, in the news release.

Aviva Canada: Ride sharing car insurance announced in Ontario

Responding to the growing use of ride-sharing services and the need to protect both passengers and drivers, Aviva Canada – one of the country’s leading providers of home, automobile, leisure/lifestyle and business insurance – is pleased to confirm the Financial Services Commission of Ontario (FSCO) approval of its ‘first of a kind’ coverage for drivers that carry paying passengers in their own vehicles. The coverage, now available for Ontario drivers, is a simple addition to an Aviva-insured personal auto policy. Aviva will be working with regulators across the country to make the solution available in other provinces in the coming months.

“We’re excited to offer a simple and affordable solution within a driver’s existing personal auto policy, thereby providing drivers and passengers with absolute peace of mind that they have insurance coverage while ride-sharing,” said Greg Somerville, President & CEO of Aviva Canada.  “We have had significant interest from brokers who are getting contacted by their customers asking for the Aviva ride-sharing solution.”

This new coverage from Aviva, available within an existing Aviva policy, is changing the face of ride-sharing in Ontario. The coverage will protect ride-sharing drivers from the moment they initiate looking for passengers through to collecting and dropping off those passengers. Eligibility for coverage will be based on some simple underwriting criteria that will include, for example, maximum of eight occupants (including driver), driver licensed for a minimum of six years, no other commercial use, and other requirements.

The coverage will be available for part-time drivers who spend up to 20 hours a week participating in ride-sharing. The cost for the additional coverage will be calculated using factors such as time spent ride-sharing, area driven and driving record.

Aviva takes no position on the regulatory or public policy questions raised by ride-sharing, which are best left to elected government officials. Nor does Aviva’s decision to offer any insurance product in the marketplace constitute an endorsement of any company or any individual protected by our products.

About Aviva Canada
Aviva Canada is one of the leading property and casualty insurance groups in the country providing home, automobile, leisure/lifestyle and business insurance to more than three million customers. A wholly-owned subsidiary of UK-based Aviva plc, the company has more than 3,000 employees, 25 locations and approximately 1,500 independent broker partners.

Aviva Canada invests in positive change through the Aviva Community Fund, Canada’s longest running online community funding competition. Since its inception in 2009, the Aviva Community Fund has awarded $6.5 million to over 222 charities and community groups nationwide.

SOURCE Aviva Canada Inc.

For further information: Media Contact: Glenn Cooper, Senior Manager, Public Relations and Social Media, Aviva Canada Inc., Desk: 416 288 2685, Mobile: 416 523 3225,

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