Legal Expense Insurance Coverage

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.	Unlimited	Nil

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