Got a bone to pick?

Insurance coverage and private arbitration law firm.

Coverage■ Arbitration■ Litigation■

Coverage■
Arbitration■
Litigation■

Daniel Strigberger | Insurance coverage and private arbitration lawyer

Hello! I’m Daniel Strigberger■

For more than 20 years, I’ve helped insurers solve tough coverage problems and navigate arbitration and litigation across Ontario. My work spans loss transfer and priority disputes, policy interpretations and specialty risks.

Now, I lead a growing team. We focus solely on insurance law — all lines, all the time. We strip away the noise, deliver strategic advice, and keep matters moving so you can make confident decisions.

Headquartered in Waterloo, Ontario, we’re a boutique practice built for precision and speed. Whether it’s untangling policy wording, guiding you through arbitration, or managing litigation, we stay on the scent until the job is done — with the occasional beagle cameo.

Speaking of beagles, we love them! Read about Columbo…

Loss Transfer and Priority Disputes

Auto Coverage

All Lines Coverage

For over 20 years, we have handled hundreds, if not thousands, of loss transfer and priority disputes (our knowledge leadership is often imitated but never duplicated).

In the complicated world of Ontario’s automobile insurance scheme, there exists a domain that is not for the faint-hearted: loss transfer and priority disputes. These cases involve complex and unique issues that demand a profound understanding of both the legal framework and the intricacies of SABS coverage.

We do not merely dabble in these matters; Daniel has dedicated his career to mastering the art and science behind them, ensuring that every aspect of my approach is both meticulous and strategic. Our list of reported decisions speaks for itself.

What are loss transfer and priority disputes?

We have authored the only legal textbook dedicated to Ontario automobile coverage law (We’re not saying it’s a bestseller, but Daniel’s mom has three copies).

We have appeared before the Ontario Court of Appeal on matters such as determining if an incident qualifies as an “accident” and if a vehicle is categorized as an “automobile”.

Additionally, we manage cases involving out-of-province accidents, out-of-province claimants, section 59 of the SABS elections, and WSIB claimants.

Furthermore, we handle many coverage issues related to auto property damage (PD), bodily injury (BI), uninsured motorist (UIM) coverage, and OPCF 44.

What is auto insurance coverage law?

Complex coverage issues? Vague policy wording? Tight deadlines? Sounds like Tuesday. We’ve been at it for 20+ years, and yes, we still read every word.

We provide comprehensive coverage opinions on claims pertaining to a wide array of policies, including:

Home: Liability and Property
Commercial: Liability and Property
E&O (Errors and Omissions)
D&O (Directors and Officers)
Marine
Farm

Our expertise extends beyond opinions. We assist clients in refining policy wordings to ensure clarity and compliance, draft reservation of rights and denial letters, and robustly defend insurers in coverage litigation. Each service is delivered with meticulous attention to detail and a strategic approach tailored to the specific needs of the client.

What is All-Lines Coverage law?

Paws and Reflect

Pinned – Priority Disputes 101: Help!

It’s a Friday afternoon before a long weekend, of course, and you’ve just received a potential SABS priority dispute. A new Application for Accident Benefits arrives on your desk and the claimant alleges that she was in your insured’s vehicle at the time of the...

Sniffing Out Relief: How Due Diligence Beat a Claim Denial

One cancelled road test. One medical episode while driving. The court ruling that every claims adjuster needs to see.

Tick Tock, You’re Barred: LAT Applies Hard Line on SABS Timelines

She said her injuries didn’t seem serious. Her medical records said otherwise. The LAT sided with the paperwork—and barred her claim because it was late.

Ordinary Parlance: Meet the New Face of “Automobile”

Is a Caterpillar 930K wheel loader an “automobile” under Ontario insurance law? This SABS accident benefits coverage ruling might have you rethinking your ordinary parlance.

Principal Dependency Explained – Without Chasing Your Tail

Who counts as a “dependant” under Ontario’s standard auto insurance policy? The answer can determine whether someone is entitled to death benefits, optional benefits, or even which insurer pays under section 268(2) of the Insurance Act.

Applicant insurers must fetch own handling expenses in priority disputes

Must a respondent insurer in a priority dispute reimburse the applicant insurer for legal fees, adjuster’s fees, administrative costs and disbursements incurred while handling the SABS claim?

Priority Rules Rule: Why Out-of-Province Insurers Can’t Dodge Ontario Claims

Does Ontario’s priority dispute scheme apply to an Ontario licensed insurer who issued a policy in Alberta — when their insured is involved in an accident in Ontario?

BCCA finds Coverage: Weed Exclusion Is Half-Baked

Does a marijuana cultivation exclusion in a homeowner’s policy exclude fire losses to the premises where the plants are growing?

Beware of Dog… Liability: How Ontario Law Redefines Ownership

What does it mean to be an “owner” of a dog under Ontario’s Dog Owners' Liability Act? This case provides a cautionary tale for those who care for animals professionally. Mama always had a way of explaining things so I could understand them In Nigro v. Luciano, the...

Why Foreign Insurers Must Comply with Ontario’s Priority Dispute Scheme

Sometimes people who are not residents of Ontario decide that they want to visit Ontario. In many cases, these visitors have their own auto insurance policies in their home jurisdiction, and many times their insurers do not conduct business in Ontario. Unfortunately,...

Claimant’s assault was not an automobile “accident”

The LAT has issued an accident benefits coverage decision, finding a claimant who was assaulted in his vehicle was not involved in an “accident” under the Statutory Accident Benefits Schedule. Overview of assault and claim In Addison v Intact, the claimant had just...