%PDF-1.6 % 1 0 obj <>/Font<>/ProcSet[/PDF/Text]/ExtGState 169 0 R/XObject 170 0 R>>/Rotate 0/StructParents 5/Type/Page/Tabs/S>> endobj 2 0 obj [12 0 R] endobj 3 0 obj <>stream /CS0 cs 1 scn 36 766.552 576 -694.552 re f /CS1 cs 0.906 0.949 0.871 scn 60.828 766.552 476.69 -32.276 re f /P <>BDC q 36 72 576 695 re W n BT /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 67.0345 757.2414 Tm [(replacement)-27( parts)-12( and)-38( accessories)-15( of)-48( contractors)-54( or)-52( subcontractors,)-46( whether)-31( or)-52( not)-22( owned)-54( by)]TJ ET EMC Q BT /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 67.0345 744.2069 Tm [(such)-6( contractors)-54( or)-52( subcontractors.)]TJ EMC /P <>BDC -0.588 -2.765 Td [(Pursuant)-57( to)-48( the)-22( \223contractors\222)-28( equipment\224)-57( coverage,)-21( movable)-44( buildings)-54( \(trailers\))-40( were)-9( expressly)]TJ EMC /P <>BDC 0 -1.235 TD [(covered,)-47( provided)-47( they)-51( were)-9( related)-2( to)-48( the)-22( professional)-21( activities)-48( of)-48( the)-22( insured)-15( as)-3( described)-18( in)-45( the)]TJ EMC /P <>BDC 0 Tw T* (declarations.)Tj EMC /P <>BDC /CS1 cs 0.451 0.745 0.392 scn /TT1 1 Tf 0.016 Tw 0 -2.176 TD [(SUPERIOR)-12( COURT)]TJ EMC /P <>BDC /CS0 cs 0 scn /TT0 1 Tf T* [(The)-42( trial)-36( judge)-25( found)-27( that)-38( the)-22( trailers)-59( and)-38( their)-55( contents)-43( were)-9( included)-41( in)-46( the)-22( [TRANSLATION])]TJ EMC /P <>BDC 0 -1.235 TD [(\223constructions)-11( \(\205\))-40( site)-32( preparation)-60( work)-7( and)-38( work)-7( of)-48( a)-32( similar)-53( nature\224)-8( \(Clause)-26( 1.3\).)-58( However,)-12( while)]TJ EMC /P <>BDC 0 -1.235 TD [(acknowledging)-33( that)-38( these)-25( items)-23( of)-48( property)-38( were)-9( not)-22( [TRANSLATION])-31( \223intended)-7( to)-48( be)-6( incorporated)]TJ EMC /P <>BDC 0 -1.235 TD [(in)-45( the)-22( designated)-49( work\224,)-43( he)-6( nonetheless)-20( concluded)-30( that)-38( they)-51( had)-38( to)-48( be)-6( repaired)-38( or)-52( replaced)-47( for)-9( the)]TJ EMC /P <>BDC 0 -1.235 TD [(work)-7( to)-48( continue.)]TJ EMC /P <>BDC 0 -2.176 TD [(The)-42( Court)-26( held)-51( that)-38( in)-45( light)-48( of)-48( the)-22( fact)-35( that)-38( Intact)-25( had)-38( indemnified)-5( EBC)-3( for)-9( its loss)-45( under)-31( the)-22( builder\222s)]TJ EMC /P <>BDC 0 -1.235 TD [(risk)-33( coverage,)-21( it)-29( could)-22( not)-22( exercise)-42( its subrogation)-10( rights)-26( against)-11( T)-36( &)-39( B.)]TJ EMC /P <>BDC /CS1 cs 0.451 0.745 0.392 scn /TT1 1 Tf 0 -2.176 TD [(COURT)-33( OF)-23( APPEAL)]TJ EMC /P <>BDC /CS0 cs 0 scn /TT0 1 Tf T* [(The)-42( Court)-26( of)-48( Appeal)-5( found)-27( rather)-35( that)-38( these)-25( items)-23( of)-48( property)-38( were)-9( covered)-31( under)-31( the)-22( \223contractors\222)]TJ EMC /P <>BDC 0 -1.235 TD [(equipment\224)-57( coverage.)]TJ EMC /P <>BDC 0 -2.176 TD [(Accordingly,)-25( the)-22( issue)-19( raised)-42( on)-6( appeal)-57( was)-46( whether)-31( Intact)-25( could)-22( exercise)-42( its subrogation)-10( rights)]TJ EMC /P <>BDC 0 -1.235 TD [(against)-11( the)-22( subcontractor,)-17( T)-36( &)-39( B,)-55( who)-48( was)-45( not)-22( a)-32( named)-2( insured)-15( under)-31( the)-22( \223contractors\222)-28( equipment\224)]TJ EMC /P <>BDC 0 Tw T* (coverage.)Tj EMC /P <>BDC 0.016 Tw 0 -2.176 TD [(In)-48( other)-15( words,)-55( under)-31( the)-22( principles)-12( applicable)-27( to)-48( the)-22( builder\222s)-42( risk)-33( insurance,)-34( T)-36( &)-39( B)-39( ought)-27( to)-48( be)]TJ EMC /P <>BDC 0 -1.235 TD [(considered)-50( an)-6( unnamed)-7( insured)-15( with)-46( respect)-15( to)-48( that)-38( coverage,)-21( which)-32( precluded)-21( Intact)-25( from instituting)]TJ EMC /P <>BDC 0 -1.235 TD [(subrogation)-10( proceedings)-24( against)-11( it.)-45( The)-42( issue)-19( was)-46( whether)-31( Intact)-25( had)-38( retained)-34( a)-32( recourse)-51( against)-11( T)]TJ EMC /P <>BDC 0 -1.235 TD [(&)-39( B)-39( after)-58( having)-54( indemnified)-5( its insured)-15( under)-31( the)-22( \223contractors\222)-28( equipment\224)-57( coverage.)]TJ EMC /P <>BDC 0 -2.176 TD [(The)-42( Court)-26( noted)-27( that)-38( even)-8( if)-29( the)-22( coverage)-5( under)-31( review)-52( was)-45( different)-34( from the)-22( builder\222s)-42( risk)]TJ EMC /P <>BDC 0 -1.235 TD [(insurance,)-34( the)-22( \223contractors\222)-28( equipment\224)-57( coverage)-5( which)-32( EBC)-3( had)-38( purchased)-37( also)-48( constituted)]TJ EMC /P <>BDC T* [(property)-38( insurance)-18( covering)-45( a)-32( risk)-33( related)-2( to)-48( the)-22( same)-25( type)-51( of)-48( activities,)-6( namely,)-28( construction)]TJ EMC /P <>BDC T* [(activities)-48( in)-45( a)-32( general)-18( contractor)-25( capacity.)]TJ EMC /P <>BDC 0 -2.412 TD [(The)-42( Court)-26( referred)-28( to)-48( the)-22( Alberta)-8( case)-6( of)-48( )]TJ EMC /P <>BDC /TT2 1 Tf [(Medicine)-58( Hat)-32( College)-22( v.)-46( Starks)-48( Plumbing)-8( &)-39( Heating)-25( Ltd.)]TJ EMC ET /Link <>BDC BT /CS1 cs 0 0 1 scn /TT2 1 Tf 0 Tw 8.6897 0 0 8.6897 522.6207 301.0345 Tm (2)Tj ET /CS1 CS 0 0 1 SCN 0.621 w q 1 0 0 1 522.6207 300.4138 cm 0 0 m 4.966 0 l S Q EMC BT /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 284.2759 Tm [(In)-48( that)-38( case,)-22( the)-22( insurable)-2( interest)-15( of)-48( a)-32( gas)-35( and)-38( plumbing)-2( subcontractor)-1( was)-45( confirmed)-22( not)-22( only)-48( with)]TJ EMC /P <>BDC 0 -1.235 TD [(respect)-15( to)-48( the)-22( ongoing)-30( construction)-21( project)-58( for)-9( the)-22( expansion)-30( of)-48( a)-32( building,)-41( but)-22( also)-48( for)-9( the)-22( existing)]TJ EMC /P <>BDC 0 -1.235 TD [(building,)-41( pursuant)-50( to)-48( builder\222s)-42( risk)-33( insurance)-18( obtained)-46( by)-3( the)-22( client,)-35( Medicine)-58( Hat)-32( College,)-38( in)-45( which)]TJ EMC /P <>BDC 0 -1.235 TD [(only)-48( the)-22( client)-19( was)-45( a)-32( named)-2( insured.)]TJ EMC /P <>BDC 0 -2.176 TD [(In)-48( its subrogation)-10( proceedings)-24( against)-11( the)-22( professionals,)-7( the)-22( general)-18( contractor)-25( and)-38( the)]TJ EMC /P <>BDC 0 -1.235 TD [(subcontractor,)-17( the)-22( insurer)-3( argued)-5( that)-38( it)-29( was)-46( not)-22( precluded)-21( from exercising)-28( its recourse)-51( as)-3( a)-32( result)-26( of)]TJ EMC /P <>BDC 0 -1.235 TD [(the)-22( fact)-35( that)-38( the)-22( indemnity)-15( claimed)-26( had)-38( been)-11( paid)-51( to)-48( Medicine)-58( Hat)-32( College)-22( under)-31( the)-22( property)-38( policy.)]TJ EMC /P <>BDC 0 -2.176 TD [(According)-25( to)-48( Justice)-6( McDonald,)-45( it)-29( is)-43( logical)-48( to)-48( conclude,)-14( in)-45( the)-22( context)-11( of)-48( work)-7( being)-25( performed)-31( in)]TJ EMC /P <>BDC 0 -1.235 TD [(connection)-46( with)-45( the)-22( expansion)-30( and)-38( modification)-18( of)-48( an)-6( existing)-22( structure)-51( or)-52( near)-58( such)-6( a)-32( structure,)-8( that)]TJ EMC /P <>BDC 0 -1.235 TD [(subcontractors)-30( participating)-21( in)-45( the)-22( work)-7( have)-8( an)-6( insurable)-2( interest)-15( in)-45( all)-59( the)-22( interconnected)-29( structures)]TJ EMC /P <>BDC 0 -1.235 TD [(and)-38( not)-22( just)-32( the)-22( new)-48( one.)-54( He)-16( ruled)-12( that)-38( the)-22( fact)-35( that)-38( the)-22( principal)-42( amount)-18( of)-48( coverage)-5( was)-45( less)-45( than)]TJ EMC /P <>BDC T* [(the)-22( total)-51( value)-22( of)-48( the)-22( building)-25( taken)-25( as)-3( a)-32( whole)-35( was)-46( not)-22( sufficient)-54( to)-48( conclude)-57( that)-38( the)-22( policy)-32( covered)]TJ EMC /P <>BDC 0 -1.235 TD [(nothing)-14( more)-16( than)-54( the)-22( damages)-5( to)-48( the)-22( new)-48( structure)-51( under)-31( construction.)-37( In)-48( order)-19( to)-48( reach)-28( such)-6( a)]TJ EMC /P <>BDC 0 -1.235 TD [(conclusion,)-57( the)-22( terms)-29( of)-48( the)-22( policy)-32( ought)-27( to)-48( have)-8( provided)-47( for)-9( a)-32( clear)-9( exclusion)-8( of)-48( the)-22( adjoining)]TJ EMC /P <>BDC 0 Tw 0 -1.235 TD (structures.)Tj EMC ET endstream endobj 4 0 obj <>/Font<>/ProcSet[/PDF/Text]/ExtGState 193 0 R/XObject 194 0 R>>/Rotate 0/StructParents 10/Type/Page/Tabs/S>> endobj 5 0 obj [14 0 R] endobj 6 0 obj <>stream /CS0 cs 1 scn 36 766.552 576 -694.552 re f BT /P <>BDC 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 753.5173 Tm [(In)-48( the)-22( case)-6( under)-31( review,)-9( the)-22( Court)-26( of)-48( Appeal)-5( drew)-9( a)-32( parallel)-12( between)-44( the)-22( situation)-41( of)-48( the)-22( coverage)]TJ EMC /P <>BDC 0 -1.235 TD [(of)-48( the)-22( plumbing)-2( subcontractor)-1( in)-45( the)-22( )]TJ EMC /P <>BDC /TT1 1 Tf [(Medicine)-58( Hat)-32( College)]TJ EMC /P <>BDC /TT0 1 Tf 26.059 0 Td [( case)-6( and)-38( the)-22( coverage)-5( of)-48( the)-22( respondent)]TJ EMC /P <>BDC -26.059 -1.235 Td [(T)-36( &)-39( B.)-55( In)-48( the)-22( Albertan)-41( case,)-22( there)-15( was)-46( a)-32( prior)-59( policy)-32( covering)-44( the)-22( property)-38( of)-48( a)-32( named)-2( insured,)-31( the)]TJ EMC /P <>BDC T* [(property)-38( policy,)-48( and)-38( a)-32( second)-11( policy,)-48( namely,)-28( the)-22( builder\222s)-42( risk)-33( policy,)-48( which)-32( was)-46( superimposed)-14( over)]TJ EMC /P <>BDC 0 -1.235 TD [(it.)-45( In)-48( the)-22( present)-18( case,)-22( there)-15( was)-46( only)-48( one)-38( insurance)-18( policy)-32( for)-9( the)-22( benefit)-57( of)-48( EBC,)-19( covering)-45( all)-59( of)-48( its)]TJ EMC /P <>BDC 0 -1.235 TD [(construction)-21( activities.)-6( This)-52( situation)-41( further)-51( supported)-24( T)-36( &)-39( B\222s)-23( argument)-11( that)-38( it)-29( was)-45( an)-6( unnamed)]TJ EMC /P <>BDC T* [(insured)-15( under)-31( the)-22( coverage)-5( provided)-47( for)-9( the)-22( \223contractors\222)-28( equipment\224.)-14( According)-25( to)-48( the)-22( principles)-12( of)]TJ EMC /P <>BDC T* [(interpretation)-46( of)-48( an)-6( insurance)-18( contract)-31( described)-18( by)-3( Justice)-6( McDonald)-28( in)-46( the)-22( )]TJ EMC /P <>BDC /TT1 1 Tf [(Medicine)-58( Hat)-32( College)]TJ EMC /P <>BDC /TT0 1 Tf 0 -1.235 TD [(case,)-22( if)-29( Intact)-25( had)-38( wished)-6( to)-48( retain)-28( its subrogation)-10( rights)-26( against)-11( a)-32( subcontractor)-1( in)-46( respect)-15( of)]TJ EMC /P <>BDC 0 -1.235 TD [(property)-38( used)-8( on)-6( site)-32( by)-3( its insured,)-31( it)-29( should)-54( have)-8( clearly)-52( stated)-41( so.)]TJ EMC /P <>BDC 0 Tw 0 -2.176 TD ( )Tj EMC /P <>BDC /CS1 cs 0.451 0.745 0.392 scn /TT2 1 Tf 0 -2.412 TD [(II.)-48( )]TJ EMC /P <>BDC /TT3 1 Tf 0.016 Tw 1.176 0 Td [(VILLE)-48( DE)-23( QU\311BEC)-16( V.)-55( G\311NITECH)-9( ENTREPRENEUR)-16( G\311N\311RAL)-52( INC. ET)-16( AL.)]TJ EMC ET /Link <>BDC BT /TT2 1 Tf 0 Tw 8.6897 0 0 8.6897 448.7586 591.5173 Tm (3)Tj ET /CS1 CS 0.451 0.745 0.392 SCN 0.621 w q 1 0 0 1 448.7586 590.8966 cm 0 0 m 4.966 0 l S Q EMC BT /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 564.8276 Tm [(In)-48( this)-32( case,)-22( the)-22( Superior)-44( Court)-26( had)-38( to)-48( decide)-54( whether)-31( the)-22( coverage)-5( under)-31( a)-32( builder\222s)-42( risk)-33( insurance)]TJ EMC /P <>BDC 0 -1.235 TD [(policy)-32( extended)-4( to)-48( the)-22( damages)-5( caused)-11( by)-3( the)-22( work)-7( to)-48( the)-22( existing)-22( structure,)-8( or)-52( if)-29( it)-29( was)-45( only)-48( limited)]TJ EMC /P <>BDC 0 -1.235 TD [(to)-48( the)-22( work.)]TJ EMC /P <>BDC /CS1 cs 0.451 0.745 0.392 scn /TT2 1 Tf 0 Tw 0 -2.176 TD (FACTS)Tj EMC /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw T* [(Quebec)-27( City)-43( \(hereinafter)-5( \223the)-42( City\224\))-24( awarded)-47( a)-32( contract)-31( to)-48( G\351nitech)-57( as)-3( general)-18( contractor)-25( for)-9( the)]TJ EMC /P <>BDC 0 -1.235 TD [(conversion)-47( of)-48( Palais)-42( Montcalm)-19( from an)-6( entertainment)-4( venue)-41( into)-35( a)-32( concert)-15( hall.)]TJ EMC /P <>BDC 0 -2.176 TD [(The)-42( Lot)-22( no.)-22( 2)-32( contract)-31( dealt)-8( with)-46( work)-7( that)-38( was)-46( to)-48( be)-6( done)-11( on)-6( the)-22( existing)-22( structure)-51( of)-48( Palais)]TJ EMC /P <>BDC 0 -1.235 TD [(Montcalm.)-35( Under)-42( the)-22( terms)-29( of)-48( the)-22( contract,)-47( G\351nitech)-57( purchased)-37( a)-32( builder\222s)-42( risk)-33( policy)-32( from)]TJ EMC /P <>BDC 0 -1.235 TD [(Promutuel)-31( to)-48( cover)-26( the)-22( property)-38( contemplated)-56( by)-3( the)-22( work.)-23( Furthermore,)-44( as)-3( the)-22( project)-58( required)]TJ EMC /P <>BDC T* [(significant)-25( demolition)-31( work,)-23( G\351nitech)-57( retained)-34( the)-22( services)-39( of)-48( CFG)-7( as)-3( a)-32( subcontractor.)]TJ EMC /P <>BDC 0 -2.176 TD [(G\351nitech)-57( and)-38( the)-22( City)-43( were)-9( named)-2( as)-3( co)-3(-)-20(insureds)-45( under)-31( the)-22( builder\222s)-42( risk)-33( policy)-32( and)-38( the)-22( protection)]TJ EMC /P <>BDC 0 -1.235 TD [(thereunder)-46( was)-45( extended)-4( to)-48( subcontractors.)-46( The)-42( insured)-15( activities)-48( were)-9( described)-18( as)-3( follows)]TJ EMC /P <>BDC 0 Tw 0 -1.235 TD [([TRANSLATION]:)-47( )]TJ EMC /P <>BDC /TT1 1 Tf 0.016 Tw 8.176 0 Td [(\223Transformation)-2( of)-48( Palais)-42( Montcalm)-19( into)-35( a)-32( house)-41( of)-48( music)-36( lot:2)-51( structure)-51( and)]TJ EMC /P <>BDC -8.176 -1.235 Td [(primary)-20( envelope\224)]TJ EMC /P <>BDC /TT0 1 Tf 0 Tw 8.059 0 Td (.)Tj EMC /P <>BDC 0.016 Tw -8.059 -2.176 Td [(Following)-12( the)-22( faulty)-22( performance)-34( of)-48( the)-22( demolition)-31( work,)-23( a)-32( fire)-23( caused)-11( significant)-25( damage)-34( to)-48( parts)-12( of)]TJ EMC /P <>BDC T* [(the)-22( existing)-22( structures)-22( not)-22( included)-41( in)-46( Lot)-22( no.)-22( 2.)-48( Moreover,)-28( the)-22( smoke)-55( and)-38( the)-22( water)-25( sprayed)-31( on)]TJ EMC /P <>BDC 0 -1.235 TD [(Palais)-42( Montcalm)-19( by)-3( the)-22( fire)-23( department)-1( damaged)-7( a)-32( recording)-8( studio)-38( and)-38( the)-22( refrigeration)-18( system)-9( of)]TJ EMC /P <>BDC T* [(the)-22( Youville)-28( Square)-11( skating)-8( rink,)-52( which)-32( were)-9( manifestly)-28( not)-22( included)-41( in)-45( Lot)-22( no.)-22( 2.)-48( The)-42( City)-43( claimed)]TJ EMC /P <>BDC 0 -1.235 TD [(the)-22( amount)-18( of)-48( $1,091,582.98)-18( for)-9( the)-22( damages)-5( thus)-51( caused.)]TJ EMC /P <>BDC 0 -2.176 TD [(The)-42( defendants)-52( filed)-48( three)-15( motions)-28( to)-48( dismiss)-20( the)-22( City\222s)-27( action.)-54( They)-12( maintained)-50( \(1\))-13( that)-38( the)]TJ EMC /P <>BDC 0 -1.235 TD [(builder\222s)-42( risk)-33( insurance)-18( applied)-11( not)-22( only)-48( to)-48( the)-22( items)-23( in)-45( Lot)-22( no.)-22( 2,)-48( but)-22( also)-48( to)-48( all)-59( the)-22( property)]TJ EMC /P <>BDC T* [(damaged)-7( in)-45( relation)-15( to)-48( the)-22( work)-7( performed)-31( on)-6( Lot)-22( no.)-22( 2,)-48( including)-54( the)-22( damages)-5( to)-48( the)-22( existing)]TJ EMC /P <>BDC 0 -1.235 TD [(structure)-51( of)-48( Palais)-42( Montcalm,)-35( \(2\))-13( that)-38( the)-22( City)-43( no)-6( longer)-44( had)-38( a)-32( recourse)-51( against)-11( them)-12( because)-44( it)-29( had)]TJ EMC /P <>BDC 0 -1.235 TD [(withdrawn)-28( from,)-16( and)-38( filed)-48( a)-32( declaration)-50( of)-48( settlement)-34( in,)-3( another)-21( matter)-48( relating)-15( to)-48( the)-22( same)-26( facts)]TJ EMC /P <>BDC 0 -1.235 TD [(and)-38( claiming)-39( almost)-55( the)-22( identical)-38( damages)-5( against)-11( them,)-28( and)-38( \(3\))-13( that)-38( the)-22( City)-43( could)-22( not)-22( sue)-35( them,)]TJ EMC /P <>BDC 0 -1.235 TD [(due)-38( to)-48( its status)-38( as)-3( a)-32( co)-3(-)-20(insured)-15( under)-31( the)-22( builder\222s)-42( risk)-33( insurance.)]TJ EMC /P <>BDC 0 -2.176 TD [(While)-29( the)-22( City)-43( acknowledged)-20( that)-38( the)-22( general)-18( principles)-12( related)-2( to)-48( builder\222s)-42( risk)-33( insurance)-18( were)]TJ EMC /P <>BDC 0 -1.235 TD [(applicable,)-43( it)-29( argued)-5( that)-38( it)-29( had)-38( not)-22( lost)-32( its recourse)-51( because)-43( the)-22( damages)-5( to)-48( the)-22( existing)-22( structure)]TJ EMC /P <>BDC 0 -1.235 TD [(were)-9( not)-22( covered)-31( by)-3( this)-32( builder\222s)-42( risk)-33( insurance,)-34( since)-19( it)-29( specifically)-48( covered)-31( the)-22( damages)-5( to)]TJ EMC /P <>BDC 0 -1.235 TD [(property)-38( located)-11( on)-6( the)-22( site)-32( of)-48( the)-22( work,)-23( i.e.)-19( on)-6( Lot)-22( no.)-22( 2)-32( only.)-6( In)-48( support)-18( of)-48( its argument,)-27( it)-29( relied,)]TJ EMC /P <>BDC T* [(among)-2( other)-15( things,)-54( on)-6( the)-22( amount)-18( 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