Risk Reports

• June 2026
  • Looking back at 2025/26’s most expensive claims and looking forward to new help with claims!
  • All about defects: Demystifying patent, latent and material latent defects for sellers’ agents
  • REEOIC 2025/26 Annual Report
  • Asked & Answered: Mistakes to avoid when removing subject conditions!

• March 2026
  • 2026 Indemnity Plan brings more welcome news on annual fees!
  • CEO reflections on the future of E&O
  • Asked and answered: Key learnings on radon safety and testing

• December 2025
  • Reflections on life, lawsuits and liability
  • Corporate transactions can raise unique issues
  • Asked and answered… Buyers’ agents be aware: There’s a better way to CYA
  • Changes coming to E&O staff and Board of Directors in the new year

• September 2025
  • The not-so-sweet side of illegal suites
  • Asked and answered… Your name, your problem: Property and strata managers should avoid this costly mistake
  • Deer and noisy neighbours: A cautionary tale of long-haul litigation

• June 2025
  • E&O’s 2025 Annual Report tells a good news story
  • Managing conflicts that arise after agency has begun
  • Surprising statistics highlight first three months of E&O’s Cyber Guard
  • Asked & Answered: Do I have coverage if I list my own property for sale?

• March 2025
  • Introducing E&O’s new Cyber Guard loss prevention program
  • New Indemnity Plan maintains coverage and premiums, takes effect April 1
  • Conflicts of interest… Clients come first!
  • Asked & answered… Client backing out of a deal? You probably have some questions
• December 2024
  • Looking back at 2024’s most expensive claims
  • Supporting Strata and Property managers with quick claims prevention tips
  • Asked & answered… What opens up a contract?
  • Introducing new leadership to the E&O Board of Directors
• September 2024
  • Implied agency education – Taking three minutes now can save hours in the future
  • Anticipatory breach: words matter
  • Deposits: considerations and consequences
  • Taking terrifying tales on the road
• June 2024
  • Annual Report highlights claim trends and strong financial performance
  • Selling tenanted property – don’t let assumptions get you into a tough situation
  • Become implied and get fried: The dangers of implied agency
• March 2024
  • 2024 Indemnity Plan offers increased coverage at no additional cost
  • The Do’s and Don’ts of ensuring you have claims coverage
  • Know the risks before using artificial intelligence (AI) tools in real estate
  • Negligence leads the list of causes for the top five most expensive claims of 2023
• December 2023
  • More good news about reduced professional insurance costs
  • Don’t roll the dice on recommending advice!
  • Top 10 claims issues and how to avoid them – 2023 style
  • Board of Directors: Recognizing outgoing members, welcoming new ones
  • E&O takes to the video airwaves to get its message across
• September 2023
  • Opportunity open for a new E&O director
  • Don’t worry, be happy: A guide to productive worrying
  • Cyber-fraud can happen to you! How to prevent it, and what to do when it happens
  • Serving it right – following the rules when ending tenancies for landlord’s own use
• June 2023
  • Annual Report highlights strong performance over last 12 months
  • Battling funds and title transfer scams
  • Think before you swear (an affidavit)
• March 2023
  • Welcome news on annual fees
  • From trash talk to trouble: the importance of professionalism
  • What you need to know (but were afraid to ask) about deductibles
• December 2022
  • 2022 claims update
  • Seriously, what’s your deal?
  • Hot tips for property and strata managers
  • E&O Board of Directors – new chair and vice-chair
• September 2022
  • E&O’s report card
  • Assemble with care: conflicts and land assemblies
  • No seal, no deal: poorly worded subjects may void a contract
  • Client wish lists: what do you need to know?
• June 2022
  • E&O’s annual report
  • Duty of disclosure – it may be broader than you think
  • So you’re going to trial …
• March 2022
  • Indemnity Plan RE0422 effective April 1 – premiums remain unchanged
  • Recipe for misrepresentation
  • Deal or no deal: The cold hard truth about subject conditions
  • Changes to E&O Board of Directors and staff
• December 2021
  • 2021 – the year in claims
  • New appointments to the Board of Directors
  • Making referrals: keep your clients in good hands
  • Termites, rodents, and bats, oh my!
• September 2021
  • E&O’s new director appointment process
  • Residential property transactions involving a tenancy
  • Don’t get stung by this “B”: Form B and parking/storage allocations for strata managers
• June 2021
  • Annual report for year ending March 31, 2021
  • Pitfalls in transactions involving corporate parties
  • GST may bite you
• March 2021
  • New Indemnity Plan effective April 1
  • The perils of implied agency
  • Bank drafts: don’t let the dog eat them
  • Changes to E&O Board of Directors and staff
• December 2020
  • Recapping the year’s E&O claims
  • E-docs and e-rrors – the danger of e-signatures
  • Disclaimers – why you need them in your marketing materials
• September 2020 
  • The pitfalls of the poorly drafted contract
  • Contracts and claims
  • A reminder to property and strata managers
• June 2020
  • E&O annual report
  • A conversation with the E&O chair
  • Market changes = remorse – Tips for protecting yourself from buyer/seller remorse claims
  • Keep it secret, keep it safe – a fiduciary duty review
• March 2020
  • New Indemnity Plan effective April 1; premiums stay the same
  • Showings and meetings during COVID-19 pandemic
  • Changes to E&O Board of Directors
  • Be on the lookout for…
  • Keep up to speed
• December 2019
  • E&O update
  • New directors on E&O Board
  • Pandora’s box – opening up a contract
  • Challenges in defending residential property management claims
• September 2019
  • Three common claims to watch out for
  • See you in court: Recent court cases involving licensees
  • Credibility: The truth shall set you free
  • Upcoming loss prevention seminars
• June 2019
  • Your E&O Annual Report
  • Meet your Chair!
  • Five risk hot spots: Don’t get burned
  • You’ve been served
• March 2019
  • New Indemnity Plan effective April 1: What you need to know for sure
  • New E&O Chair and Vice Chair
  • Mistakes you should never make
  • Don’t be an ostrich: The do’s and don’ts of reporting claims
• December 2018
  • E&O update
  • Watch out for social engineering fraud!
  • Take care in measuring properties
  • Top 10 current claim issues
• September 2018
  • How we’re doing
  • Risk management for strata and property managers
  • Knowing your client
• June 2018
  • E&O’s Annual Report
  • Puffery or misrepresentation?
  • Your role in Civil Resolution Tribunal claims
• March 2018
  • New Indemnity Plan effective April 1
  • New E&O Chair and Vice-Chair
  • Past, present, future: E&O’s new Chair on industry changes and challenges
  • Reflections on 30 years of E&O
  • Murder, stigma and other scary topics
• December 2017
  • E&O update
  • New directors
  • A cautionary tale — court approval in foreclosure transactions
  • Subject clauses. Simple, right?
• September 2017
  • Why things go wrong
  • Risks and licensee insurance
  • Privacy Policy
• June 2017
  • E&O updates
  • Good record keeping
  • New video available
  • New broker tools
• March 2017
  • Your current Indemnity Plan
  • New board chair and vice-chair
  • New website launched
• Dec 2016 (PDF) – View | Download
  • 2016 a year of change
  • 2016’s most costly claims
  • Avoiding tax claims
  • Legal update – GST, PTT and other risky topics
  • Welcome staff lawyer Oana Hyatt
• May 2016 (PDF) – View | Download
  • Protection in challenging times
  • Scott Veitch elected board chair, Liz Tutt vice chair
  • 2015-16 financial statements
  • Legal update – valuing properties
• Dec 2015 (PDF) – View | Download
  • 2015 recap – best practices for best results
  • Common mistakes – easy solutions
  • 2015’s most costly claims
  • Understand your E&O coverage
  • Legal update – dealing with deposits
  • Marshall Cowe and Michael Ziegler appointed to board
• May 2015 (PDF) – View | Download
  • Rising claims liabilities
  • Rosemary Barnes elected board chair, Scott Veitch vice chair
  • 2014-15 financial statements: Legal update – who do I act for?
• Dec 2014 (PDF) – View | Download
  • 2014 in claims
  • Do I need excess liability insurance?
  • 2014’s most costly claims
  • Jim McCaughan appointed to board
  • Welcome staff lawyer Ryan Dix
  • Legal update – 30 years defending licensees
• May 2014 (PDF) – View | Download
  • Capital requirements on target
  • Judi Whyte elected board chair, Rosemary Barnes vice chair
  • 2013-14 financial statements
  • Legal update – subject clauses
• Dec 2013 (PDF) – View | Download
  • 2013 claims trend upward
  • Managing risk
  • 2013’s most costly claims
  • Legal update – verbal agreements
  • Dave Watt and Bryon Brandle appointed to board
• May 2013 (PDF) – View | Download
  • Claims liabilities level off
  • Dougal Shewan elected board chair, Peter Oswell vice chair
  • 2012-13 financial statements
  • Legal update – know your property
• Dec 2012 (PDF) – View | Download
  • Positive feedback on claims handling
  • Knowing your professional liability coverage
  • 2012’s most costly claims
  • Legal update – the cost of being sued
  • Education grants
  • E&O going green
• May 2012 (PDF) – View | Download
  • Claims liabilities increase
  • Randy Forbes elected board chair, Liz Tutt and Scott Veitch appointed to board
  • 2011-12 financial statements
  • Legal update – verifying information
  • Preparation of Depreciation Reports not covered under Indemnity Plan
• Dec 2011 (PDF) – View | Download
• May 2011 (PDF) – View | Download
• Dec 2010 (PDF) – View | Download
• May 2010 (PDF) – View | Download
• Dec 2009 (PDF) – View | Download
• May 2009 (PDF) – View | Download
• Dec 2008 (PDF) – View | Download
• May 2008 (PDF) – View | Download
• Dec 2007 (PDF) – View | Download
• May 2007 (PDF) – View | Download
• Dec 2006 (PDF) – View | Download
• May 2006 (PDF) – View | Download
• Dec 2005 (PDF) – View | Download
• May 2005 (PDF) – View | Download
• Dec 2004 (PDF) – View | Download
• May 2004 (PDF) – View | Download
• Dec 2003 (PDF) – View | Download
• May 2003 (PDF) – View | Download