In plain language, if your business is accused of sending messages—such as emails, texts, faxes, or even direct mail—without proper consent, your insurance will not step in to cover legal costs, settlements, or damages related to that claim. Let's talk about Unsolicited Communication Exclusion.

A Court confirmed that a choice of forum clause can require policyholders to resolve insurance disputes in another country—even when the loss or lawsuit is connected to Québec. Let's talk about it.