While types of insurance vary widely, their primary goal is to shift the risks of a loss from the individual to a larger group of people. Each individual pays a premium into a pool from which losses are paid out. In general, insurance companies are the safekeepers of the premiums and they are highly regulated to ensure that they are fair to the consumer. Our firm does not generally act for insurers – we act for insureds.

Often, insurance companies will attempt to rely upon a clause in the contract that limits their liability. At times, we advise clients in selecting a fair and beneficial insurance policy and point out the possible obligations on the insured. More often, we advise clients with respect to potential claims against insurers including initiating actions in the courts or filing an appeal to the Financial Services Commission of Ontario.

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