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COVID-19 and related government lockdown orders do not cause physical loss or damage to property under business interruption insurance policies.
The plaintiffs, representing a class of small to medium-sized businesses, sought coverage under their business interruption insurance policies for losses sustained due to the COVID-19 pandemic and related civil authority orders.
The court held a common issues trial to determine whether the presence of the SARS-CoV-2 virus or government lockdown orders could cause 'physical loss or damage to property' within the meaning of the policies.
The court concluded that the virus does not physically alter or damage inanimate surfaces, and that the loss of use of the premises due to government orders does not constitute physical loss or damage.
Consequently, the court answered the certified common issues in the negative, finding no coverage under the business interruption provisions.
Motion for joint adjudication of overlapping COVID-19 business interruption insurance claims dismissed to preserve individual plaintiffs' rights.
The defendants in a certified class action regarding COVID-19 business interruption insurance claims brought a motion seeking joint adjudication and common case management of common questions across approximately 79 overlapping proceedings.
The motion was opposed by several plaintiffs in individual actions who wished to proceed independently.
The court dismissed the motion, affording deference to a prior case management decision that declined to stay the individual actions, and finding that forcing joint adjudication would inappropriately undermine the plaintiffs' right to opt out of the class proceeding and cause undue delay.
Crown copyright vests in land survey plans registered and deposited in provincial land registry offices.
A land surveying company brought a class action on behalf of Ontario land surveyors whose plans of survey had been digitized, stored, and copied by the province's electronic land registry service provider without payment of royalties.
The appellant argued that Crown copyright under s. 12 of the Copyright Act did not vest in the registered and deposited plans.
The majority held that the comprehensive provincial land registration regime gave the Crown complete control over the publication process, satisfying the requirements of s. 12.
A concurring minority agreed on the outcome but adopted a different interpretive framework, requiring both that the work be published 'by or under the direction or control' of the Crown and that the work qualify as a 'government work' serving a public purpose.
The appeal was dismissed without costs.