Did Your Insurance Agent or Broker Properly Protect You?

Was your critical illness, commercial insurance or disability insurance policy claim denied? If so, it may be related or caused by your insurance broker’s negligence. Your broker and agent have a duty to act in your best interest to get you the insurance coverage that your unique situation requires. As a paying client, you rely on the expertise of the broker or agent to get you the coverage that will be there when you need it.
If that did not happen, you should ask whether that may be the fault of the agent or broker. Your agent or broker most likely carries errors and omissions insurance that may help cover your denied claim if they were negligent.
In a number of cases from British Columbia and elsewhere in Canada, courts have found that brokers and agents have a strong duty of care to ensure they provide suitable insurance coverage addressing the customer’s unique circumstances*. This is true for both personal and commercial insurance.
If your claim for critical illness, disability, business interruption, fire or lie insurance is denied, please phone us for your first free appointment to discuss whether you may have a case
Please phone (604) 876 – 7000 for an expert consultation.

*Sources: Fletcher v. Manitoba Public Insurance Co., [1990] 3 S.C.R. 191, Fine’s Flowers Ltd. et al. v. General Accident Assurance Co.of Canada et al., [1977] O.J. No. 2435 (O.C.A.) and Beck Estate v. Johnston, Meirer Insurance Agencies Ltd. [2011] B.C.J. No. 949 (C.A.)