HOLIDAY BREAK: The ChAD offices will be closed from December 25, 2023 to January 2, 2024.

Emergency assistance for technical issues related to the ChAD Portal (including ÉduChAD) will be available on December 27, 28 and 29 and January 2, 2024 from 8 a.m. to 4:30 p.m.

During this period, you can contact SVI Solutions at 1-866-843-4848 #1 or for the following problems:

  • Problem logging in to the ChAD Portal (which includes ÉduChAD).
  • Technical problem viewing and completing a training course.

To know more (in french only).


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Tip Sheet on Environmental Risks – Pollution

​​​​​​Since an environmental accident can turn out to be much more extensive or complex than initially expected, it is crucial that representatives be fully aware of the limits of their knowledge and skills before accepting and undertaking a mandate. This applies both when conducting the needs analysis and proposing coverage (s. 16 and 17, Code of ethics of damage insurance representatives), as well as in the event of a loss and a potential claim (s. 26 and 27 Code of ethics of claims adjusters).

This tip sheet is designed to help agents, brokers and claims adjusters (both in personal-lines and business-lines insurance) better understand the issues surrounding environmental risks. Please note, only pollution-related risks will be discussed here, not natural disasters.

Important: In general, the Insurance Bureau of Canada’s (IBC) standard insurance forms exclude pollution risk. The IBC does, however, offer endorsements that provide certain types of pollution-related coverage under very specific circumstances. Although the majority of insurers model their own forms on the IBC’s forms, some modify their contracts. You must therefore carefully read the contract and understand the issues at stake before advising your client.

Changes to IBC forms

The wording of the IBC’s home insurance forms was revised in July 2016; the new forms came into force in June 2017. In particular, the scope of the pollution exclusion has been clarified and certain extensions of coverage have been added. Representatives are encouraged to carefully read the contracts before advising their clients.