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Insurance coverage and private arbitration law firm.
Daniel Strigberger | Insurance coverage and private arbitration lawyer

Hello! I’m Daniel Strigberger

I’m an insurance coverage and arbitration lawyer. It’s not quite stand-up comedy — but I do spend a lot of time explaining things no one else wants to read

For over 20 years, I’ve been helping insurers sniff out answers to tough coverage questions — from standard lines to the weird and wonderful world of specialty risks.

On January 1, 2025, my team and I launched a niche law firm officially named “Strigberger Law.”The logo? My last name and a square dot. Think of it as a beagle nose — precise, focused, and always on the scent. The core message is straightforward: When you need an insurance coverage or private arbitration lawyer, you need Strigberger.

We focus exclusively on insurance coverage — all lines, all across Ontario. Whether it’s a complex priority dispute, a tricky loss transfer, or a policy interpretation that’s raising eyebrows (or floppy ears), we dig into the details and deliver clear, strategic advice.

Our remote boutique firm works with insurers to navigate coverage challenges with precision, practicality, and just enough wit to keep things human. No fluff. No legalese. Just thoughtful, reliable coverage counsel — with the occasional beagle cameo.

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

Loss transfer and priority disputes | Insurance coverage and private arbitration law firm

Loss Transfer and Priority Disputes

Auto coverage | Insurance coverage and private arbitration law firm.

Auto Coverage

All-lines coverage | Insurance coverage and private arbitration law firm.

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.

 

I have authored the only legal textbook dedicated to Ontario automobile coverage law (I’m not saying it’s a bestseller, but my 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.

Auto insurance coverage law text book

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.

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...

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...

Court: Coffee Car Coverage Case Confirmed

The Ontario Divisional Court has allowed an appeal in an accident benefits coverage case, confirming that a claimant who was injured from spilled coffee in a McDonald’s drive-through was involved in an automobile “accident”. In Miceli v. TD Insurance, the claimant was...

Loss Transfer: New Fone Who Dis?

Ontario’s auto insurance system is complex, aiming for fairness in compensating accident victims. A key part of this system is the loss transfer scheme. This blog explains the scheme’s purpose, how it works, and its effects on insurers (and policyholders).

Priority Disputes 101: Reflection on Deflection

In our first article in the Priority Disputes Series, I provided an overview of Ontario’s accident benefit priority dispute scheme and the process necessary to pursue and dispute priority. To recap: The priority pecking order is found in subsections 268 (2) to (5.2)...