A reminder from the BC Supreme Court that in the absence of ambiguity, courts will give effect to the ordinary meaning of insurance policy language

In a recent decision, Surespan Structures Ltd. v. Lloyd’s Underwriters, 2018 BCSC 1058, the British Columbia Supreme Court (the “Court”) had to determine whether a Design-Builder and an Engineer were “Insureds” for the purposes of a project-specific professional liability insurance policy. This is an important decision for insurers, insureds and professionals providing coverage advice, as the Court provided a comprehensive and detailed summary of the law on the interpretation of insurance policy contracts.

Background

The Design-Builder and Engineer sought a declaration that they were Insureds under a project-specific professional liability insurance policy that had been obtained by a third party, the Registered Professional of Record for the Project.

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