Insurance is everywhere in Canadian society: health, employment, transportation, commerce, industry, and communications are all sectors of activity affected by insurance. Whether public or private, compulsory or voluntary, insurance touches everyone on a daily basis. Where there are risks, there is a need for insurance — and one cannot live in the twenty-first century without encountering risk day in and day out.

The ubiquity of insurance comes at a cost. This price is paid by all Canadians and not only by those who hold insurance policies. Every year, Canadian policyholders pay billions of dollars in premiums to private insurance companies. Regulation is another consequence of the prevalence of insurance.

Canadian insurance law is a complex mixture of federal and provincial legislation, common law, and custom. This book offers a detailed survey of this regulatory patchwork, divided into three parts. Part 1 provides an introduction to the creation and enforcement of insurance contracts. The subject of Part 2 is the creation of an enforceable insurance contract. Part 3 examines the principles applicable to the enforcement of insurance contracts.

Denis Boivin is a full professor at the University of Ottawa, Faculty of Law. He teaches Insurance Law, Remedies, and Torts, and he has written four books and several articles on these subjects, in French and English. Professor Boivin is a graduate of the University of Ottawa (BSocSc, LLB) and of Yale University (LLM), a Fulbright Scholar, and the recipient of many awards for teaching and scholarship, including the Canadian Association of Law Teachers Award for Scholarly Writing and the University of Ottawa Prize for Excellence in Education. He acts as counsel for CazaSaikaley LLP, a local bilingual litigation boutique that offers services in civil, commercial, employment, and public law litigation. Professor Boivin is also a member of the Financial Services Tribunal of Ontario, and in this capacity, he has chaired many disciplinary hearings involving insurance agents and mortgage intermediaries.

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