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‘Family member exclusion’ in insurance policy passes the test in B.C.’s top court

Wednesday, December 20, 2017 @ 9:32 AM | By Daniel Paperny

The British Columbia Court of Appeal unanimously reversed a lower court judgment in an insurance coverage dispute, ruling that an exclusion clause regularly found in homeowner insurance policies is unambiguous and operates to deny coverage in a broad range of instances.

In an important decision in favour of insurers, B.C.’s top court found that a coverage exclusion clause that denies insurance for claims against an insured arising from bodily injury to any person (excluding employees) residing in the insured’s household is clear and wide in scope....