Key legal question
Whether the cantonal court violated the appellant's right to be heard and to reply before ruling after forwarding Zurich's observations only shortly before judgment.
Extracted holding
Yes. The court had to allow a reasonable time to react to the forwarded observations; ruling after only a few days prevented the appellant from commenting.
Extracted reasoning
The right to be heard includes the right to know and address submissions. Once the court chose to communicate the observations, it had to give a reasonable response period, regardless of whether the facts were well known.