Insurance brokers and agents may be liable when their errors or omissions cause a policyholder to be improperly insured.

Common examples include:

• Failure to obtain requested coverage
• Providing incorrect advice about policy requirements
• Misrepresenting coverage scope
• Failing to disclose material application requirements
• Errors and omissions in policy placement

Each case depends heavily on the specific facts and communications involved.

Our legal team carefully reviews:

• The broker-client relationship
• Policy documentation
• Application disclosures
• Communications and advice provided
• The reason coverage was denied

We then determine whether the loss is attributable to broker negligence, insurer conduct, or both.

Depending on the situation, your case may involve different legal pathways, and understanding the difference between accident benefits and tort claims in Ontario can help clarify your options.

In some situations, the problem may stem from how the insurance policy was arranged or explained at the time of purchase.

The financial consequences of inadequate coverage can be significant, and understanding how compensation works after a claim is denied can help you better evaluate your situation.

In some cases, disputes may also involve how insurers assess or limit claims, making it useful to understand common insurance company tactics used during claims.