Insured operating cold storage business entitled to defence with respect to claim by customer for damages arising from loss of products

Insurance law – Commercial general liability insurance – Exclusions – Duty to defend – Practice – Appeals Intact Insurance Co. v. Clauson Cold & Cooler Ltd., [2018] A.J. No. 1470, 2018 ABQB 997, Alberta Court of Queen’s Bench, December 7, 2018, N. Dilts J. The Alberta Court of Queen’s Bench heard an appeal by the insurer from the decision of a Master which granted the application of the insured seeking, among other things, a declaration that the insurer’s duty to defend the insured was triggered by actions against the insured. The insured purchased a policy from the insurer for its cold storage warehouse business. The insured had a single policy of insurance with multiple forms, riders and endorsements. The policy included a Warehouse form, an Equipment Breakdown Coverage – Standard Comprehensive form, an Equipment Breakdown Coverage – Consequential Damage form, and a Commercial General Liability form. The…

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