Challenging Concepts and Exclusions
Proximate cause is the cornerstone in claims settlement. The key precedents are reviewed along with a collection of CGL and All Risk exclusions to fully equip a broker.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Squib Case and Friends
Review the Squib Case, Rylands v Fletcher, and The Wagon Mound to understand causation, escape, strict liability, foreseeability, and modern liability claim analysis for brokers.
Challenging CGL Exclusions
Review two key CGL Coverage A exclusions: employee bodily injury and care, custody, or control. Learn workers' compensation interaction, contractor gaps, bailee exposures, and fire legal liability review points.
Challenging All Risk Exclusions
Review three key commercial property exclusions: vacancy, unoccupied or shut down locations, flood, and mysterious disappearance. Includes Canadian case law, policy interpretation, and broker file practices.
About the course
Understanding what isn't covered is just as important as understanding what is. This course examines key commercial property and liability exclusions alongside the legal principles that determine whether liability exists in the first place. You'll explore common CGL exclusions involving employee injuries, care, custody and control, bailees, and tenant fire damage, as well as critical property exclusions related to vacancy, flood, and mysterious disappearance. The course also reviews landmark legal cases—including The Squib Case, Rylands v. Fletcher, and The Wagon Mound—to explain how causation, foreseeability, strict liability, and remoteness continue to shape modern insurance claims. By the end of this course, you'll be better equipped to recognize potential coverage gaps, interpret policy exclusions, apply foundational legal principles, and provide clients with practical risk management advice before a claim occurs.
Meet Your Instructor
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.