Ontario legal information · Ottawa and Eastern Ontario
The useful question is more specific than the page title.
A simple before-and-after revenue comparison can overstate or understate loss because timing, seasonality, expenses and other people affect the result.2
The claim should distinguish lost owner earnings, extra expense, lost opportunity and business value; expert accounting may be proportionate in larger disputes.
Keep responsibility, available coverage and actual loss in separate columns.
Legal route
A tort claim may recover proven earning loss caused by another person's fault.
Insurance or benefit route
SABS and disability policies apply definitions and calculations that may treat self-employment differently.
Practical decision
The business should make sensible decisions rather than preserve inefficient practices for the claim.
Build the record from material another person can verify.
Contracts, pipeline and work calendar before injury.
Medical restrictions tied to actual business tasks.
Tax returns, statements, ledgers and invoices.
Replacement labour, cancelled work and non-injury market factors.
Protect the next date without pretending every claim follows one clock.
Collect source records while customers, bookkeepers and project details remain available.3
Benefit proof and appeal dates may arrive before a forensic calculation is complete.
How a personal injury lawyer may use this information.
General information explains the framework. Legal advice should connect that framework to the event, the people and insurers involved, the available records and the deadlines in the individual claim.
- Reconcile revenue to earnings
- Value owner labour
- Remove unrelated business change
- Document replacement costs
Not every file requires every step or legal representation. The work should respond to the actual dispute, evidence gap or decision that is approaching.
Sources and legal references
These official sources provide the legal and procedural foundation for this page. Their current wording and the facts of the claim control.
View 3 sources
- Ontario — Statutory Accident Benefits Schedule
The current rules for Ontario automobile accident benefits.
Back to footnote ↑ - Ontario — Negligence Act
Apportionment of fault and contribution between people responsible for a loss.
Back to footnote ↑ - Ontario — Limitations Act, 2002
Ontario's basic limitation and discoverability framework, subject to important exceptions.
Back to footnote ↑