The Alberta Court of Appeal Opines on the S.E.F. No. 44 Limitation: The Status Quo and the Unresolved


  • Geoffrey Duckworth



The oft-criticized ambiguity of the Family Protection Endorsement S.E.F. No. 441 has resulted in another Alberta Court of Appeal decision which holds that there are, essentially, two triggers regarding the “discoverability” limitation in clause 6(c) of the endorsement. While the Court preserved the potential that some claims against insurers will be barred prior to settlement or judgment, the consistency of the approach reduces uncertainty about when the limitation period begins to run, minimizing the risk of precautionary claims against insurers.

Author Biography

Geoffrey Duckworth

Associate, Gowling Lafleur Henderson LLP, Calgary, Alberta