Legal Expense Insurance

Legal Expense Insurance

Hiring a lawyer can be intimidating and expensive. Where do you even start?

When a small business owner is spending $500 an hour to seek legal representation, they can quickly find themselves choosing between going into debt or having no representation at all. This is where legal expense insurance can be useful. 

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What is Legal Expense Insurance?

By purchasing a legal expense insurance policy, your business is covered for certain legal expenses incurred while accessing the complicated Canadian legal system. In addition to expenses and court costs, the legal counsel retained on your behalf is vetted by a senior team of legal professionals to ensure you are assigned top shelf legal talent.

As an added value, every Legal Expense Insurance policy includes access to unlimited general legal advice on any legal issue.  

Legal Expense Coverage

What does Legal Expense Insurance cover?

Typical coverages included:

  • Employment Disputes: If you face legal action from an employee or ex-employe
  • Legal Defence: If your business faces criminal charges, a police investigation or an occupational health and safety investigation
  • Contract Disputes and Debt Recovery: If you face a dispute with a client or supplier in regards to a breach of contract or failure to pay an amount owed
  • Statutory Licence Protection: If your business faces a suspension, alteration or cancellation of its business licence
  • Property Protection: If there is trespass or legal nuisance to your property
  • Bodily Injury: If you or one of your employees is injured on the job as a result of someone else’s negligence
  • Tax Protection: If you face an audit or wish to appeal a decision from the CRA
  • Unlimited Access to legal advice: General legal advice, guidance and clarity are just a toll-free call away. Our lawyers will respond quickly to your inquiry and provide you with a clear course of action.

A Legal Expense Insurance policy will:
Protect your business from costly legal expenses
Allow you to defend and pursue your legal rights
Provide you with access to unlimited legal advice

Legal Expense Requirements

Who needs Legal Expense Insurance?

You may need Legal Expense Insurance if:

  • You have employees
  • You are planning on entering into a contract for goods and services
  • You require a stat license to operate your business (food, liquor, real estate)
  • You want to ensure you have experts available to defend your position in the event your business is audited by the CRA
Legal Expense Costs

What is the cost of Legal Expense Insurance?

At Zensurance we have negotiated exclusive pricing for our customers and policies start at around 200$ per year.  Some things that may impact your premiums include:

  • Revenue amounts for your company
  • Prior legal issues

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Which professions require Legal Expense Insurance

Regardless of the type of business you run, legal expense insurance is critical:

  • Accountants

  • Accounting Firm

  • Actuaries

  • Advertising

  • Aerial and ground based Photographers / Videographers

  • Alternative Energy

  • Architects & Engineers

  • Appraisers

  • Bookkeepers

  • Broadcasters

  • Building Designers (Bill 124)

  • Business Consultant

  • Chiropodists

  • Civil engineers

  • Collection Agencies

  • Consultants

  • Chiropractors

  • Design Firms

  • Directors and Officers

  • Employment Agencies/Recruiters

  • Engineers

  • Environmental Engineers

  • Energy Audits & Assessments

  • Financial Advisors

  • Financial Planners

  • Foreign Legal Consultants

  • Holistic Professional

  • Hotel Consultant

  • Home Inspectors

  • Human Resources (HR) Consultant

  • Immigration Consultants

  • Information Technology & Computer Consultants

  • Interior Designers

  • IT Contractor

  • IT Specialist/Technician/Programmer

  • Independent Contractor

  • Product Designers

  • Professionals Liability

  • Lawyer’s Excess Professional Liability

  • Management Consultants

  • Medical Related

  • Medical Professionals (Malpractice Insurance)

  • Medical Students (Malpractice Insurance)

  • Multimedia designers

  • Mortgage Brokers

  • Naturopaths

  • Occupational Health and Safety Consultants

  • Quality Control Consultants

  • Placement Agencies

  • Podiatrists

  • Process Servers

  • Private Investigators

  • Project Managers

  • Property Managers

  • Paralegals

  • Publishers and Printers

  • Recruitment and Employment Agency

  • Recruitment Consultants

  • Safety Engineers

  • Service Organizations

  • Solar & Wind Farm Engineers & Consultants

  • Staffing Agencies

  • Structural Engineers

  • Sub Contractor

  • Surveyors

  • Therapist Professionals

  • Training Providers/Trainers

  • Travel Agencies

  • Travel Agents, Tour operators

  • Web-Site Designers

  • Web Developers

  • Workplace Engineers & Consultants

Common scenarios where Legal Expense Insurance is useful

Employee Dispute In Hotel

Two hotel employees bring a lawsuit alleging they were overlooked for promotions due to their religious beliefs despite the fact that company records show constant tardiness and inappropriate behaviour.

Real Estate Broker New License

Kareem is a real estate broker. The official governing body that issues his brokerage’s licence is altering the terms of his licence without his knowledge. Legal expense coverage can appoint a lawyer to represent Kareem.

Contractor Getting Hurt

A tradesman is unfortunately killed after the ground around him collapses while digging a ditch. The main contractor now faces an occupational health and safety investigation. Legal expense coverage can retain a lawyer to represent this business.

Frequently Asked Questions about Legal Expense Insurance

How much business insurance do I require?

Every business is unique. At Zensurance, we have curated several solutions that include comprehensive coverages and we are confident you will get the coverage you need through one of these packages.  If not, we’re happy to look at alternative options.

Can I pay my business insurance monthly?

Yes. While most customers prefer to pay up front to avoid any additional financing charges, we do offer flexible payment options including monthly payment solutions for policies that cost more than $500.

Can I increase or decrease the limits of my business insurance?

Yes, we are able to customize our insurance packages so that you get only the coverage you need.

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