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Insuring SMEs: Be responsible. Take nothing for granted!

Publication date: December 31, 2010 | Last update: April 28, 2020

This summary does not constitute a legal opinion. The information it contains may not reflect the current state of the law.

The owner of a variety store files a complaint against her damage insurance representative following the theft of some stamps, for which she only received partial compensation. The store operates a Canada Post counter; however this part of her business was not properly insured.

As soon as the investigation begins, the representative admits that:

  • he had not visited the business;
  • he had not collected all the relevant information when the risk was underwritten;
  • nor did he verify the insured’s needs at insurance renewal time, although her inventory of stamps had increased.

The representative pled guilty to each of the 10 charges, having recognized that it was his duty to collect all the relevant information.