Case Overview:

• Plaintiffs: Jewish Theological Society of Canada (Camp Ramah) and 1310784 Ontario Inc. (Camp Manitou).
• Defendants: Arch Insurance Canada Ltd. (55%) and Sovereign General Insurance Company (45%).
• The case addresses claims under insurance policies for business losses due to COVID-19 shutdowns. The plaintiffs sought additional compensation for Extra Expenses and Professional Fees under the policies.

Key Facts:

• Both camps purchased insurance for May 2019–May 2020, which included a $1,000,000 Infectious Disease Extension (IDE).
• Ontario’s COVID-19 regulations forced closures of the camps, and the insurers paid the $1,000,000 IDE limit.
• Plaintiffs claimed additional amounts for Extra Expenses and Professional Fees, arguing these were separate from the IDE limit.

Issues:

1. Whether Extra Expense coverage under Section III A is subject to the $1,000,000 IDE sublimit.
2. Whether Professional Fees are subject to the $1,000,000 IDE sublimit.
3. Determination of the indemnity period (not addressed due to other findings).

Court's Analysis:

• Insurance policies were interpreted as a whole, and ambiguities were resolved per legal principles, emphasizing clarity and context.
• The IDE expressly limited coverage to $1,000,000, "part of and not in addition to" Business Interruption coverage (including Extra Expenses).
• Professional Fees, while covered under separate provisions, were also subject to the IDE sublimit unless explicitly stated otherwise in the policies.

Decision:

• Extra Expense and Professional Fee claims are subject to the $1,000,000 IDE limit.
• No further payments are due beyond the $1,000,000 already paid to each camp.

Costs:

• Plaintiffs to pay defendants $20,000 for costs.