The appellant insurer terminated the respondent's fire insurance policy after learning he had been charged with trafficking marijuana.
The termination was effected pursuant to a statutory condition in the Insurance Act allowing cancellation without stated reasons.
The respondent filed a human rights complaint alleging denial of a service customarily available to the public without reasonable cause.
The Supreme Court of Canada held that the Human Rights Code is fundamental law that applies to the termination of insurance contracts, and the insurer's statutory right to terminate is subject to the requirement of reasonable cause under the Code.
