Insights

Notes from the practice.

Plain-language commentary on developments in Canadian business, technology, and regulatory law — written for US companies, in-house counsel, and US law firms working across the border.

August 2026

AI Does What You Ask. A Business Lawyer Finds What You Need.

AI is the ultimate pleaser: ask for X and you get X. A good lawyer takes the time to see that what you actually need is Y — the discernment and judgment you can’t automate.

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August 2026

Multiplying the Capital Gains Exemption With a Family Trust

Because the exemption is per person, a family trust can multiply it across several beneficiaries on a business sale — how it works, and why the second-trust value step-up runs into GAAR and the surplus-stripping rules.

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August 2026

What Is an Estate Freeze, and When Should You Consider One?

Canada taxes you as if you sold everything the day you die, so a growing company means a growing tax bill. An estate freeze caps it at today’s value — what it is, and the moments to consider one.

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Reference

Canadian Business Law Glossary: Key Terms Explained

Plain-language definitions of the Canadian business law terms owners meet when they buy, sell, or pass on a company — earn-outs, shotgun clauses, the oppression remedy, estate freezes, EOTs, and the LCGE.

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August 2026

How to Resolve a Business Partner Dispute Without Going to Court

You and your partner have hit a wall. Before it becomes a lawsuit, the ladder from honest negotiation to mediation to a buyout — and how a lawyer and mediator can help you settle.

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August 2026

Commercial Mediation: How It Works and What It Costs

A neutral helps you settle a business dispute privately, often in a day, for a fraction of litigation. How commercial mediation works step by step, what it costs, and when it beats court.

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August 2026

Mediation vs. Litigation for a Business Dispute

Who decides, what it costs, how long it takes, and what each gives you. When mediation beats a lawsuit for a business dispute — and the cases where litigation is the right tool.

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August 2026

Business Succession Planning: Your Options and How to Choose

Sell to a third party, transfer to family, a management buyout, an Employee Ownership Trust, or wind down. The five succession routes compared — tax, timing, control, and legacy.

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August 2026

Passing the Family Business to the Next Generation

The hardest handover. Separating management, ownership and fairness, the estate freeze and family trust, the 2024 intergenerational transfer rules, and being fair to kids not in the business.

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August 2026

How to Sell Part of Your Business Without Losing Control

Take money off the table or bring in a partner without selling the whole company. Selling existing shares vs issuing new shares, valuing a minority stake, the shareholder agreement, and keeping control.

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August 2026

How to Sell Your Business to a Partner or Employee Over Time

Your buyer can’t pay all at once? Staged buy-ins, vendor take-backs, and earn-outs — the security and terms that protect you until you’re paid, plus the capital gains reserve.

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August 2026

Dual Wills in Ontario: Keeping Your Company Out of Probate

Own private-company shares? A single will can cost your estate thousands in Ontario probate tax. How dual (primary + secondary) wills keep your company out of probate — confirmed valid in Milne Estate.

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August 2026

Estate Freezes: Passing Growth On Without the Tax Bill Now

A growing company means a growing tax bill at death. An estate freeze caps it at today’s value and passes future growth to the next generation, tax-deferred. How it works, and the catches.

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August 2026

Incapacity Planning: Powers of Attorney That Keep the Business Running

A will only matters when you die. If you’re alive but can’t run the company, who signs? Ontario powers of attorney for business owners, coordinated with your shareholder agreement.

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August 2026

Setting Up a Canadian Subsidiary: A Legal Checklist for U.S. Companies

Hiring in Canada or signing Canadian customers? When a U.S. company needs a Canadian subsidiary, federal vs Ontario incorporation, director-residency rules, GST/HST and payroll — and what goes wrong.

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August 2026

Resolving a Shareholder Deadlock Without Going to Court

Fifty-fifty and frozen? How to break a shareholder deadlock without litigation — shotgun clauses, buyouts, mediation and arbitration, with court remedies as last-resort leverage.

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August 2026

Is an AI-Drafted Contract Legally Binding in Canada?

Yes — a contract is not void because AI wrote it. The real risks are U.S. law bleeding in, clauses that are unenforceable in Canada, missing terms, and the occasional invented citation.

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August 2026

Family Business Governance: The Structures That Work (and the Ones That Don’t)

Family firms drive nearly half of Canada’s private-sector GDP, and most die before the third generation. What kills them is rarely the business — it’s the family. The governance structures that work, and the ones that quietly fail.

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August 2026

Minority Shareholder, No Dividends, No Way Out? Your Options

You invested in a private company, get no dividends, and never signed a shareholder agreement. It feels airtight. It isn’t — a working lawyer walks through your real options, including the one most people have never heard of.

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August 2026

The Future of Law Firms: What AI Actually Changes

Harvey just raised at an $11B valuation and most big firms already use it. A working lawyer’s read on what AI actually changes for clients and lawyers — and what it can’t.

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August 2026

When Do You Actually Need a Shareholder Agreement?

One owner? You don't. Two or more? You do — and specific moments (a new partner, an investor, a family business, giving an employee equity, a 50/50 split) turn it from 'should' into urgent.

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August 2026

How to Raise Money From Accredited Investors

The issuer's side of a private raise: the NI 45-106 exemption, verifying each investor, the subscription documents, the 45-106F1 filing, and the mistakes that blow the exemption.

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August 2026

What Is an Accredited Investor (and Should You Be One)?

Who qualifies as an accredited investor in Canada under NI 45-106, how you actually become one, why the status unlocks the private exempt market — and the risks that come with it.

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August 2026

Should You Incorporate or Stay a Sole Proprietor?

The real trade-offs between incorporating and a sole proprietorship in Canada — personal liability, tax deferral, the lifetime capital gains exemption, cost, and when incorporating pays off.

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August 2026

Why Family Businesses Need Real Governance

Mixing family and business without governance is how good companies tear themselves apart. The structures — shareholder agreement, board, roles, succession — that keep a family business intact.

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July 2026

Using AI to Save on Small Business Legal Costs

AI can cut your legal spend on first drafts, plain-language explanations, and prep — but not on judgment. Which models to use, the confidentiality and accuracy risks, and the AI-plus-lawyer division of labour.

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July 2026

How to Have Hard Conversations With Business Partners

The hardest talks between business partners get put off until they explode. Why they get avoided, how to raise them early and well, and the agreement that turns fights into looking up the answer.

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July 2026

When to Hold, When to Fold: Knowing When to Walk Away

Keep going, renegotiate, or get out? A framework for reading a partnership, deal, or dispute — when to hold, when to fold, when to walk away, when to run — and building clean exits in advance.

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July 2026

Shareholder Agreements: What Co-Owned Businesses Need

If your business has more than one owner and no shareholder agreement, the law writes one for you — and you won't like it. Decision-making, transfer restrictions, buy-sell and shotgun clauses, and why to sign while everyone still gets along.

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July 2026

Due Diligence: What Buyers Look For When You Sell

Due diligence is the buyer's deep inspection of your business — corporate records, contracts, IP, financials, liabilities. What they check, how findings quietly reprice a deal, and how to be ready before you go to market.

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July 2026

Employee Ownership Trusts in Canada: How They Work

Selling to an employee ownership trust can shelter up to $10 million of your capital gain from tax — now permanently, after Ottawa dropped the 2026 sunset. What an EOT is, who qualifies, and the 10-year clawback to watch.

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July 2026

What You Give Away Pasting Contracts Into ChatGPT

Paste a contract into a public AI tool and you may be breaching an NDA, waiving confidentiality, and weakening privilege — without a single thing going wrong. What to check before you do it.

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July 2026

Earn-Outs: Getting Paid After You Sell Your Business

An earn-out pays part of the price later, based on performance in a business the buyer now controls. Choosing the metric, protecting the runway, and the employment overlap that can cost you the money.

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July 2026

The Letter of Intent in a Business Sale: What to Lock Down

The LOI looks preliminary, but it's where price, structure, and exclusivity get anchored. Which clauses actually bind, what to leave open, and why to get advice before you sign.

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July 2026

Are Non-Competes Even Enforceable in Canada?

Ontario banned most employee non-competes in 2021 — but in a business sale they still bind. When a non-compete holds up in Canada, and the reasonableness test that decides.

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July 2026

US Tariffs and Your Supply Contracts: What to Check

Tariffs make a deal more expensive, not impossible — so force majeure rarely saves you. The delivery terms, duty allocation, and tariff clauses that actually decide who absorbs the cost in Canada–US supply deals.

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July 2026

Climate Change Is a Contract Problem, Too

As extreme weather becomes foreseeable, boilerplate force majeure quietly stops protecting you. Where climate risk shows up in your supply contracts, leases, insurance, and diligence.

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July 2026

Increase Your Business’s Value Before You Sell

Business value is earnings times a multiple, and the multiple is about risk. The changes that raise it — owner-independence, recurring revenue, clean legal diligence — and why they have to start a year or two before you list.

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July 2026

Share Sale vs. Asset Sale: The Biggest Decision When Selling Your Business

Sellers usually want a share sale, buyers usually want an asset sale, and the difference can change your after-tax proceeds dramatically. The lifetime capital gains exemption, employees, and the section 84.1 trap for family and employee deals.

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July 2026

Do I Need a Lawyer to Sell My Business?

There's no law that says you must hire one. What the lawyer actually does in a business sale — the representations, the tax structure, the closing — and what tends to happen without one.

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May 2026

Canadian Privacy Law for US Companies

A practical guide for US software companies, in-house counsel, and operators whose product, customers, or employees touch Canada. PIPEDA, Quebec Law 25, BC PIPA, and where US privacy programs typically fall short.

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May 2026

Hiring Canadian Employees: A Guide for US Companies

What US companies need to know about hiring their first Canadian employee — reasonable notice, worker classification, equity grants, restrictive covenants, and the permanent-establishment trap.

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April 2026

Limitation of Liability Under Canadian Law

What US drafters most often miss when their limitation-of-liability and exclusion clauses are tested in a Canadian court. A practical look at the post-Tercon framework and what it means for commercial contracts.

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