They may be looking at it not in terms of accommodation in Toronto, but in terms of being compensated for arriving in Vancouver late. And perhaps a significant number of their customers (vacationers anyway) are less concerned about getting home late, than they are getting to their vacation destination late.

I agree this omission is much more glaring than the other; but again even delayed luggage is only a non-issue if your trip ends at home (if you're flying from one non-home point to another on an extended business trip, you care about all segments).

Also I'll point out this screws up (unintentionally I'm sure) the "reverse round-trip" strategy.

You know, "if you want to avoid nested returns, buy a one-way to your destination, then a series of cheap returns from your destination to home, then finish with a one-way back home". In this case, no insurance when you go to the customer site.

andrew