All-Lines Coverage
What is All-Lines Coverage? It’s coverage issues arising from all lines■
“All-lines coverage” refers to an insurance industry term that describes a comprehensive approach to handling or underwriting multiple lines of insurance business. It typically encompasses coverage across various categories, such as:
- Property Insurance: Covers physical assets like buildings, equipment, or inventory.
- Casualty Insurance: Includes liability coverage for injuries or damages caused to others.
- Farm Mutual Insurance: Unique insurance for Ontario’s vibrant farming community.
- Workers’ Compensation: Covers employee injuries and related liabilities.
- Professional Liability (E&O): Protects professionals against claims of errors or omissions in their work.
- General Liability (CGL): Provides coverage for bodily injury, property damage, and personal/advertising injury.
- Marine Insurance: Includes inland and ocean marine risks, such as shipping cargo or transportation equipment.
We act for insurers dealing with any type of coverage issues under many types of property and casualty insurance policies. Our all-lines insurance coverage services include:
- Policy wording reviews (which is basically the legal equivalent of reading instruction manuals for fun).
- Coverage opinions on any type of policy
- Investigations and examinations under oath.
- Reservations of rights and denial letters
- Coverage applications/actions
Insurance Coverage Blog
Insured’s Coverage Claim Knocked Out
This article was previously posted in June 2020 The Ontario Court of Appeal has overturned a lower decision that found an insurer owed a duty to defend an insured in a sexual assault claim, under a commercial general liability policy. The Claim In Southside Muay Thai...
ONCA: No “trial within a trial” in the duty to defend
This article was previously posted in October 2022. The Ontario Court of Appeal recently considered the traditional pleadings rule and found that the duty to defend cannot be ousted by use of premature evidence, that being evidence that would require findings to be...
ONCA Stops Rolling Limitation Period For Business Interruption
This article was previously posted in August 2019. The Ontario Court of Appeal has held that business interruption claims are not subject to a rolling limitation period. In Marvelous Mario's Inc. v. St. Paul Fire, the appellant insureds commenced two actions claiming...
How Much Risk Does A Builder’s Risk Risk?
When a builder negligently repairs a school’s gymnasium roof, which causes rain to spill into the gym and damage the wooden floor below, does the builder’s All Risk Builder’s policy cover the damage to the floor? Pre-Eng v. Intact involved a coverage battle between...
Insurer can’t sue “your and you”
The Ontario Superior Court has released a subrogation decision dealing with two interesting issues: Assessing a defendant’s negligence and the ability of an insurer to subrogate against its own unnamed insured. In Rochon v. Rochon, the defendant was the plaintiffs’...
Court of Appeal skunks late property loss claims
The Court of Appeal has allowed an insurer’s appeal asserting the one-year limitation period in an all-risk property policy. The decision highlights how important it is for insurance contracts – and especially limitation period provisions in them – to have clear...