The applicants obtained a judgment against a moving company after their belongings were stolen from a trailer parked on the street.
When the judgment went unsatisfied, they brought an application under s. 132 of the Insurance Act against the moving company's insurers.
The application judge found that the loss fell under the $1 million warehouse insurance limit rather than the $500,000 transportation insurance limit.
The Court of Appeal allowed the primary insurer's appeal in part, holding that the breach was a failure to deliver under the transportation contract, so the $500,000 transportation limit applied.
However, the Court upheld the application judge's finding that the insurer was liable for post-judgment interest and costs exceeding the policy limit.