Professional Liability

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OVERVIEW

Professionals today face tremendous pressure from demanding clients. The news media frequently carry stories about large errors and omissions (E&O) claims brought against professionals who were "only trying to do their jobs".

At McCague Borlack LLP, we respect the hard work of our professional clients, and strive to protect their reputations while minimizing their financial exposure.

SERVICES

Our Toronto law firm’s Professional Liability Group has experience in all aspects and phases of professional liability issues, ranging from risk management through to dispute resolution. We have represented professionals in numerous fields, including:

  • Accountants and Auditors
  • Adjusters
  • Architects
  • Chiropractors
  • Directors and Officers
  • Engineers
  • Financial Planners/Advisors
  • Health Care Practitioners
  • Home Inspectors
  • Insurance Agents and Brokers
  • Interior Design Professionals
  • Lawyers
  • Mortgage Brokers
  • Nurses
  • Private Investigators
  • Real Estate Agents and Brokers
  • Receivers and Trustees
  • Veterinarians

1.    Litigation

We act on a full range of matters that involve professional liability exposures, including those involving design, manufacturing, construction, inspection, and maintenance errors, pollution exposures, intellectual property, disciplinary procedures, quasi-criminal allegations, inquests, employment practices, and libel and slander. Some of our files involve class actions that are extremely complex, with highly technical issues, voluminous documentary productions, and extensive damage claims.

2.    Risk Management

We have given numerous “smell-the-coffee" seminars to our clients and professional organizations. We proactively assist in reviewing and drafting contract wordings and exculpatory clauses, and thereafter negotiate the wordings of contracts with the involved parties on given projects. We represent professionals in investigations and disciplinary hearings. Throughout, our skilled negotiators explore and utilize alternative dispute resolution (ADR) processes to minimize the financial, reputational, and time impact of these processes on our clients. Finally, we also assist insurers in drafting policy wordings, special endorsements, and exclusions for their various program coverages.

3.    Intellectual Property

Our Professional Liability Practice Group includes our Intellectual Property Team.

Led by founding partner and senior trial counsel, Howard Borlack, our Intellectual Property Team has successfully handled many forms of IP matters for a wide range of clientele. For example, our risk management services include advising on licensing, cross-border issues and communications strategies, drafting employment contracts, restrictive work product agreements, confidentiality agreements, and restrictive covenants against disclosure and competition. Our team also drafts IP Insurance policy wordings, exclusions and special endorsements, advises on coverage, and provides complete coverage dispute services.

With respect to IP litigation and alternative dispute services, our IP Team has handled everything from simple contractual disputes to very complicated litigated matters. These types of matters include acting in a variety of industrial design, trade secrets, patents, trademark and copyright infringement cases, misappropriation of software actions and defamation through electronic media disputes.

In summary, the broad range of IP services provided by our IP Team enables our clients to protect their rights thereby increasing the value of their businesses. And, our affiliation with Canadian Litigation Counsel, and our special relationship with The Harmonie Group gives us access to over 100 law firms consisting of over 5000 lawyers worldwide, thereby enabling our Team to coordinate our IP services globally.

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FIRM CASES

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A judge thumb original Nuances Between Judge-Alone and Jury Trials

During the COVID-19 pandemic, the courts were unable to hold jury trials for many civil claims, particularly MVA and tort cases. This ended in May 2022, and jury trials for civil cases have since resumed. During this time, many decisions proceeded before only a judge. This paper will outline the major differences between judge-alone and jury trials.

Default Causation And Standard Of Proof For A Hypothetical Pre-Trial Loss

First Published in Advocates Quarterly. This paper addresses whether the same principles regarding the “real and substantial possibility” standard of proof apply to a hypothetical past loss claim as they do to a hypothetical future loss claim, and the interplay between the two standards of proof applicable to hypothetical claims: balance of probabilities for the “but for” causation test, and “real and substantial possibility” for damages.

A financial services regulatory original Financial Planner and Advisor Titles: A New Framework is Announced

Ontario's Finance Ministry has officially approved a new set of rules governing employees in the financial services industry who use the titles "financial planner" or "financial adviser". The implementation of these standards, which have been absent in the past, will offer security to investors from conducting business with individuals who are unqualified or under-qualified.