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Heather Gray is a senior associate in Gowlings' Toronto office, practising in the Firm's Commercial Insurance and Insurance and Professional Liability Groups.

Heather specializes on issues affecting the insurance industry from provincial and federal regulatory matters and intermediary licensing to product design and development for insurers, agencies, brokerages, third party administrators and service contract providers. She also regularly provides coverage advice and litigation support to insurers and policyholders in a broad range of areas, including commercial general liability, financial and professional services and directors' and officers' insurance. Heather's experience with both business and claims issues enable her to provide unique insight to her insurance industry clients.

Heather has appeared before the Superior Court of Justice and the Court of Appeal for Ontario and was asked to participate in the 2012 International Competition for Mediation Advocacy as a panel judge.

Heather regularly presents on a wide range of insurance issues including coverage, indemnity and insurance requirements in commercial agreements, and the regulatory landscape affecting the sale of insurance and extended warranty products in Canada.