Commercial

Licence or Lease? Why Your Mall Kiosk, Coworking Desk or Parking Spot May Not Be a Tenancy in Ontario

Calling a contract a 'Licence Agreement' does not make it one. In Ontario, whether a mall kiosk, coworking desk or monthly parking spot is a licence or a tenancy turns on exclusive possession — and only a tenant can seek relief against forfeiture under the Commercial Tenancies Act. Here is the test, the grey cases, and what the wrong label costs you.

商场小推车、共享工位、停车位：你签的是「租约」还是「许可」？

商场小推车、共享工位、停车位签的到底是租约（lease）还是许可（license）？本文用「独占占有权」这道分类测试讲清两者区别、为什么这些场景多半是许可，以及分类错了会丢掉哪些安省《Commercial Tenancies Act》下的承租人保护。

Pollution Legal Liability Insurance in Ontario: The Coverage Your Commercial Property Policy Leaves Out

Standard commercial property insurance excludes pollution. Pollution Legal Liability (PLL) insurance is the separate product that covers contamination cleanup and third-party claims. Learn what it typically covers, why it is written on a claims-made basis, why tail coverage matters, and whether the buyer or seller should carry it — plus the Ontario law that keeps cleanup liability alive after the sale.

商业物业上了「全险」，污染为什么还是不赔？——认识污染责任保险（PLL）

商业物业买了 All-Risk 全险，为什么污染损失还是不赔？本文讲清污染责任保险（PLL）这个独立险种：标准财产险为什么把污染列为除外、PLL 常见承保什么、成本由什么驱动、claims-made 保单的 tail coverage 为什么关键，以及买卖双方谁该买。内容为机制说明，具体投保请咨询保险经纪与环境律师。

The Share Deal That Called the Mortgage: Due-on-Sale and Change-of-Control Clauses in Ontario Commercial Loans

In Ontario, a commercial mortgage's due-on-sale clause lets the lender demand full repayment when the property changes hands. Buyers often use a share purchase to avoid tripping it — but many modern loans add an express change-of-control clause that a share deal triggers just the same. No statute governs these clauses; they are terms of the loan agreement, and they vary by lender. The path with no acceleration risk is an assumption with the lender's written consent.

商业按揭里的「所有权变更即到期」条款：为什么买生意的人都想用买股权绕开它

商业按揭里的 due-on-sale（所有权变更即到期）和 change-of-control（控制权变更）条款是什么、贷款人为什么坚持要它，以及为什么买家常想用「买股权」绕开它。关键在于：现代商业按揭普遍同时写了控制权变更条款，股权交易一样触发——买方尽调必须实际读贷款文件，正路是走 assumption（承接贷款）并取得贷款人书面同意。

The Assignment of Rents on Your Commercial Mortgage: What It Really Is, and When a Lender Can Redirect the Rent

A General Assignment of Rents comes attached to most Ontario commercial mortgages. What kind of security it actually is, when a lender can redirect your rent on default, why the Mortgages Act does not create it, and how it differs from an SNDA.

商业按揭里的「租金转让」（GAR）：贷款没违约，银行凭什么直接找你的租客收租

商业按揭常附带一份「租金转让」（General Assignment of Rents, GAR）文件——它不是安省《Mortgages Act》创设的法定制度，而是合同担保安排。本文讲清 GAR 是什么担保、贷款人何时能启动改道向租客收租、它和 SNDA（不驱逐协议）的本质区别，并锚定 Mortgages Act s. 5 这条成文法抓手。