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<loc>https://sbalawyers.ca/occupiers-liability/he-was-a-skater-boy/</loc>
<lastmod>2026-03-19T11:58:57+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/resurrected/</loc>
<lastmod>2026-03-19T11:58:58+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/insurance-in-the-time-of-covid-19/</loc>
<lastmod>2026-03-19T11:58:59+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/phipa-privacy-beware-the-rogue-departing-employee/</loc>
<lastmod>2026-03-19T11:59:00+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/emerging-issues/covid-19-lawsuits/</loc>
<lastmod>2026-03-19T11:59:02+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/covid-19-is-business-interruption-included-in-property-coverage/</loc>
<lastmod>2026-03-19T11:59:03+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/access-granted-nunavut-privacy-breach/</loc>
<lastmod>2026-03-19T11:59:04+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/accident-benefits-covid-19-edition-irb-vs-cerb/</loc>
<lastmod>2026-03-19T11:59:05+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/is-breach-response-privileged-perhaps-not/</loc>
<lastmod>2026-03-19T11:59:07+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/emerging-issues/with-covid-19/</loc>
<lastmod>2026-03-19T11:59:08+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/employee-surveillance-whats-reasonable/</loc>
<lastmod>2026-03-19T11:59:09+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/the-data-exclusion-and-the-duty-to-defend/</loc>
<lastmod>2026-03-19T11:59:10+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/extraterritorial-application-of-insurance-act-onca-is-having-none-of-it/</loc>
<lastmod>2026-03-19T11:59:11+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/employment-practices-liability/dont-panic-plan/</loc>
<lastmod>2026-03-19T11:59:12+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/uncategorized/a-disciplinary-tale/</loc>
<lastmod>2026-03-19T11:59:13+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/work-home-balance-privacy-edition/</loc>
<lastmod>2026-03-19T11:59:15+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/snooping-will-cost-you/</loc>
<lastmod>2026-03-19T11:59:16+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/occupiers-liability/snow-and-ice-no-notice-no-dice/</loc>
<lastmod>2026-03-19T11:59:18+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/no-intrusion-no-seclusion/</loc>
<lastmod>2026-03-19T11:59:19+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/ontario-gets-a-new-tort-for-now/</loc>
<lastmod>2026-03-19T11:59:20+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/extrinsic-evidence-and-the-duty-to-defend/</loc>
<lastmod>2026-03-19T11:59:22+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/clarity-on-the-data-exclusion-and-the-duty-to-defend/</loc>
<lastmod>2026-03-19T11:59:23+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/uncategorized/executive-protection/</loc>
<lastmod>2026-03-19T11:59:24+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/saddle-up-man-kicked-by-horse/</loc>
<lastmod>2026-03-19T11:59:26+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/fresh-from-the-oven-court-delivers-warning-to-pizza-drivers/</loc>
<lastmod>2026-03-19T11:59:27+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/wsib/on-the-clock-even-when-youre-not/</loc>
<lastmod>2026-03-19T11:59:28+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/employment-practices-liability/investigations-before-dismissal/</loc>
<lastmod>2026-03-19T11:59:29+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/david-and-goliath-bad-faith-and-the-vulnerable/</loc>
<lastmod>2026-03-19T11:59:31+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/class-actions/pardon-the-interruption/</loc>
<lastmod>2026-03-19T11:59:32+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/when-theres-snow-way-out-2/</loc>
<lastmod>2026-03-19T11:59:33+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/the-fast-and-the-furious-spoliation-edition/</loc>
<lastmod>2026-03-19T11:59:35+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/insurer-allowed-to-deny-coverage-three-years-later/</loc>
<lastmod>2026-03-19T11:59:36+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/wsib/does-a-wrong-make-a-right/</loc>
<lastmod>2026-03-19T11:59:37+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/spect-its-time-has-not-come/</loc>
<lastmod>2026-03-19T11:59:38+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/invasion-of-privacy-is-it-covered/</loc>
<lastmod>2026-03-19T11:59:39+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/timely-notice-or-you-better-have-a-reasonable-excuse/</loc>
<lastmod>2026-03-19T11:59:41+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/cyber-and-privacy/school-board-taken-to-class-on-privacy/</loc>
<lastmod>2026-03-19T11:59:42+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/waivers-work-again-signing-on-the-dotted-line-has-consequences/</loc>
<lastmod>2026-03-19T11:59:44+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/ei-benefits-are-deductible-from-irbs/</loc>
<lastmod>2026-03-19T11:59:45+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/onca-wraps-up-wrap-up-policy-coverage-dispute/</loc>
<lastmod>2026-03-19T11:59:47+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/emerging-issues/civil-machines-the-current-state-of-autonomous-vehicle-liability/</loc>
<lastmod>2026-03-19T11:59:48+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/will-any-reason-do/</loc>
<lastmod>2026-03-19T11:59:49+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/underlying-suspicions-are-not-always-enough-to-waive-litigation-privilege/</loc>
<lastmod>2026-03-19T11:59:50+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/there-once-were-two-spouses/</loc>
<lastmod>2026-03-19T11:59:51+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/wsib/the-grey-featuring-section-284-of-the-wsia-not-liam-neeson/</loc>
<lastmod>2026-03-19T11:59:52+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/intent-is-a-state-of-mind/</loc>
<lastmod>2026-03-19T11:59:54+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/commensurate-post-104-week-employment-not-a-sabs-requirement/</loc>
<lastmod>2026-03-19T11:59:55+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/live-nation-v-aviva-a-landmark-insurance-defence-case/</loc>
<lastmod>2026-03-19T11:59:56+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/onca-revisits-mental-health-injuries/</loc>
<lastmod>2026-03-19T11:59:57+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/coffees-cars-and-cautious-causation/</loc>
<lastmod>2026-03-19T11:59:59+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/expert-reports-not-great-to-be-late/</loc>
<lastmod>2026-03-19T12:00:00+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/covid-19-is-not-an-insured-loss/</loc>
<lastmod>2026-03-19T12:00:01+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/onca-confirms-business-interruption-losses-are-not-insured-losses/</loc>
<lastmod>2026-03-19T12:00:02+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/wsib/a-worker-in-an-executives-clothing/</loc>
<lastmod>2026-03-19T12:00:04+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/if-they-dont-remit-the-hsts-not-legit/</loc>
<lastmod>2026-03-19T12:00:05+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/emerging-issues/the-future-is-nigh-the-enactment-of-the-autonomous-vehicle-act/</loc>
<lastmod>2026-03-19T12:00:06+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/class-actions/onca-clarifies-psychological-damages-from-a-products-liability-perspective/</loc>
<lastmod>2026-03-19T12:00:07+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/onca-clarifies-that-business-interruption-losses-are-not-an-insured-loss/</loc>
<lastmod>2026-03-19T12:00:09+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/human-rights/new-tribunal-who-dis/</loc>
<lastmod>2026-03-19T12:00:10+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/cerb-crb-is-deductible-from-a-past-loss-of-income-award/</loc>
<lastmod>2026-03-19T12:00:11+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/human-rights/end-the-unpleasantness-summarily/</loc>
<lastmod>2026-03-19T12:00:13+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/til-death-or-divorce-do-them-part/</loc>
<lastmod>2026-03-19T12:00:14+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/swerving-blame-in-emergency-situations/</loc>
<lastmod>2026-03-19T12:00:15+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/unlocking-arbitration-power-with-the-help-of-the-court/</loc>
<lastmod>2026-03-19T12:00:16+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/spillover-effect-how-a-cup-lid-caused-an-mva/</loc>
<lastmod>2026-03-19T12:00:18+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/major-concussion-v-minor-contusion-the-burden-of-proof-and-medical-evidence-required-for-mig-removal-at-the-lat/</loc>
<lastmod>2026-03-19T12:00:19+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/schrodingers-incident-an-accident-and-not-at-the-same-time/</loc>
<lastmod>2026-03-19T12:00:20+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/three-way-priority-battle-ends-in-a-tie/</loc>
<lastmod>2026-03-19T12:00:22+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/occupiers-liability/ladders-occupiers-liability-and-equipment-failures-who-takes-the-fall/</loc>
<lastmod>2026-03-19T12:00:24+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/hockey-brawl-leads-to-legal-scramble-the-pitfalls-of-summary-judgment-in-complex-liability-cases/</loc>
<lastmod>2026-03-19T12:00:25+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/too-little-too-late/</loc>
<lastmod>2026-03-19T12:00:26+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/delay-in-reporting-claim-proves-costly/</loc>
<lastmod>2026-03-19T12:00:28+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/faithfully-wed-but-legally-misled/</loc>
<lastmod>2026-03-19T12:00:29+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/unsworn-proof-of-loss-no-barrier-to-assessing-value-of-property/</loc>
<lastmod>2026-03-19T12:00:30+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/property/limitation-periods-a-fire-trapped-in-time/</loc>
<lastmod>2026-03-19T12:00:31+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/whos-a-dog-owner-surprise-its-you/</loc>
<lastmod>2026-03-19T12:00:33+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/priority-disputes-when-well-get-to-it-later-costs-you-the-case/</loc>
<lastmod>2026-03-19T12:00:34+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/trieu-v-aubin-2025-onsc-1141-threshold-refresher-re-thresh-er/</loc>
<lastmod>2026-03-19T12:00:36+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/strict-compliance-dont-risk-it/</loc>
<lastmod>2026-03-19T12:00:37+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/hold-your-horses-dont-get-saddled-with-an-ab-claim-due-to-deflection/</loc>
<lastmod>2026-03-19T12:00:38+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/new-rules-new-game-civil-litigation-in-ontario-set-to-change-in-2026/</loc>
<lastmod>2026-03-19T12:00:39+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/one-size-does-not-fit-all-divisional-court-overturns-lat-adjournment-denial/</loc>
<lastmod>2026-03-19T12:00:41+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/its-complicated/</loc>
<lastmod>2026-03-19T12:00:42+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/50-is-the-new-35-small-claims-court-just-levelled-up/</loc>
<lastmod>2026-03-19T12:00:43+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/the-cost-of-being-the-applicant-insurer/</loc>
<lastmod>2026-03-19T12:00:44+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/moo-ving-past-negligence-court-dismisses-negligence-claim-without-evidence-of-breach/</loc>
<lastmod>2026-03-19T12:00:46+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/property/classic-car-ma-the-court-of-appeals-approach-to-rare-property/</loc>
<lastmod>2026-03-19T12:00:47+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/the-lat-is-a-court-relief-from-forfeiture-now-available/</loc>
<lastmod>2026-03-19T12:00:49+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/will-a-lapsed-license-total-the-claim/</loc>
<lastmod>2026-03-19T12:00:51+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/does-the-post-104-irb-test-require-an-analysis-of-commensurate-employment-the-court-of-appeal-says-yes-but/</loc>
<lastmod>2026-03-19T12:00:52+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/no-offer-big-costs-onca-upholds-300k-costs-award-on-15k-damages/</loc>
<lastmod>2026-03-19T12:00:53+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/lat-titude-for-success-criterion-8-update/</loc>
<lastmod>2026-03-19T12:00:54+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/statutory-certainty-vs-flexibility-what-clouthier-means-for-insurers/</loc>
<lastmod>2026-03-19T12:00:56+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/insurance-investigators-owe-no-duty-to-insureds-for-claim-delays/</loc>
<lastmod>2026-03-19T12:00:57+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/pay-first-dispute-later-priority-matters/</loc>
<lastmod>2026-03-19T12:00:58+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/guaranteed-not-god-mode/</loc>
<lastmod>2026-03-19T12:01:00+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/insurance/whose-relationship-is-it-anyways/</loc>
<lastmod>2026-03-19T12:01:01+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/when-event-insurance-stops-at-the-venue-door-limits-of-additional-insured-coverage-under-event-liability-policies/</loc>
<lastmod>2026-04-23T16:43:36+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/tort/youre-not-my-boy-blue/</loc>
<lastmod>2026-05-15T13:51:08+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/court-expands-interpretation-of-existing-home-under-the-sabs/</loc>
<lastmod>2026-05-19T15:27:24+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/priority-dispute/away-at-school-still-care-dependent-divisional-court-confirms-contextual-dependency-analysis/</loc>
<lastmod>2026-05-20T10:45:36+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/court-proceedings/water-under-the-bridge-duty-to-warn-of-hidden-hazards/</loc>
<lastmod>2026-07-06T19:45:32+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/commercial-general-liability/the-writing-was-on-the-wall-the-condominium-act-and-the-cost-of-cutting-corners/</loc>
<lastmod>2026-09-18T15:31:42+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/accident-benefits/about-time-the-court-of-appeal-weighs-in-on-late-applications/</loc>
<lastmod>2026-09-22T07:35:34+00:00</lastmod>
</url>			<url>
<loc>https://sbalawyers.ca/coverage/do-tell-the-road-to-coverage-requires-disclosure/</loc>
<lastmod>2026-09-30T15:22:53+00:00</lastmod>
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