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Issue 8 “If In Doubt  Sent it Out” – Don’t Become a Victim of the 90-Day Notice Provision Issue 7 Hanis v. Teevan: The Ontario Court of Appeal Addresses the Apportionment of Defence Costs Issue 6 Michelin v. ACE INA: Interpreting the Employee Benefits Liability Endorsement Issue 5 Interpreting an All Risks Property Policy: How deranged must the circumstances be for the “Derangement” exclusion to apply? Mustapha v. Culligan: Forseeability and Ordinary Fortitude Issue 4 Sizing up Ksiazek: A discussion of costs and offers to settle in Ontario MVA cases Issue 3 The Bill 198 Threshold – The First Clues Issue 2 Surveillance: Production and Privilege Issue 1 Occupier's Liability - A Successful Defence