Legal Expense Insurance Coverage
Why do you need legal expense insurance?
A legal expense insurance policy protects you, your business, and your employees by providing access to legal information and covering legal costs and expenses in various situations which can include contract disputes, tax audits, and licence suspension. Legal expense insurance empowers you to defend or pursue your legal rights. If you are interested in purchasing this coverage please contact our office.
| Coverage | Limit | Deductible |
|---|---|---|
| Employment Dispute: If you face legal action from an employee, or an ex-employee | $200,000 | Nil |
| Legal Defence: – If your business faces an occupational health and safety investigation – If you or your employees face criminal charges or a police investigation – If you face a civil action following an alleged breach of Canadian privacy legislation, or if you receive a Federal Anti-Spam Legislation Notice for Production and/or Notice of Violation | $200,000 | Nil |
| Statutory License Protection: If you require legal representation following the suspension, alteration, or cancellation of your license to conduct your business | $200,000 | Nil |
| Contract Dispute & Debt Recovery (optional): – If you are involved in a dispute relating to selling or buying goods, or to providing or obtaining services, or if you face a dispute with a client or supplier in regards to a failure to pay an amount owed – If you are involved in a dispute with the landlord of your commercial premise | $200,000 | $2,500 |
| Property Protection: – If you are experiencing legal nuisances or trespasses – If an event causes physical damage to your commercial property | $200,000 | Nil |
| Bodily Injury: If a sudden accident causes illness, bodily injury, or death to you or to one of your employees | $200,000 | Nil |
| Tax Protection: If you face an audit or wish to appeal a decision from the Canada Revenue Agency (CRA) related to your business’s tax affairs | $200,000 | Nil |
| Telephone Legal Advice Service: Every policy includes unlimited access to a Legal Helpline, which is available 24/7 in emergencies. The Legal Helpline provides you with general legal information from qualified lawyers for any legal question, even if the issue is not covered by the policy. | $200,000 | Nil |
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