Determining Coverage in Cases Involving Multiple Concurrent Causes

By // In Articles // 2014.09.18 // Read More


Insurance policies commonly contain clauses which stipulate which losses are covered and which are excluded under the policy. However, determining whether coverage applies can be complicated when a loss can be attributed to two concurrent causes, one of which is excluded from coverage. An example if where an explosion causes a fire on the insured’s property. Damage or loss from the explosion is covered but the fire is excluded from coverage.

Concurrent Causation and Insurance for Catastrophic Weather Events

By // In Articles // 2014.09.08 // Read More

One of the thorniest issues to deal with in insurance coverage matters is that of “concurrent causation”. The problem was illustrated again on the national stage last year when Albertans experienced massive overland flooding that also resulted in sewer back up. Typically, homeowner’s policies in Canada do not cover damage from flooding but many will include an endorsement for sewer back up. The events of 2013 presented insurers and insureds with the problem of how to handle losses directly caused by a sewer back up that is, itself, caused by an excluded flood.

Helping the Witness Help the Court

By // In Articles // 2014.08.15 // Read More

“Expert evidence is getting considerable judicial attention recently. There is considerable concern that experts are not fulfilling their role as unbiased providers of assistance to the courts, and several Canadian jurisdictions have tackled the concerns in recent revisions to court rules.”

Chronic Pain: What Legally Matters

By // In Articles // 2014.01.30 // Read More

Authors: Vanessa Gauthier and Lawrence Bau

BC’s New Limitation Act and its Application

By // In Articles // 2013.11.28 // Read More

Authors: Vanessa Gauthier and Lawrence Bau