Legal Expense Insurance
Hiring a lawyer can be intimidating and expensive. Where do you even start?
When a small business owner is spending $500 an hour to seek legal representation, they can quickly find themselves choosing between going into debt or having no representation at all. This is where legal expense insurance can be useful.
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What is Legal Expense Insurance?
By purchasing a legal expense insurance policy, your business is covered for certain legal expenses incurred while accessing the complicated Canadian legal system. In addition to expenses and court costs, the legal counsel retained on your behalf is vetted by a senior team of legal professionals to ensure you are assigned top shelf legal talent.
As an added value, every Legal Expense Insurance policy includes access to unlimited general legal advice on any legal issue.
Who needs Legal Expense Insurance?
You may need Legal Expense Insurance if:
- You have employees
- You are planning on entering into a contract for goods and services
- You require a stat license to operate your business (food, liquor, real estate)
- You want to ensure you have experts available to defend your position in the event your business is audited by the CRA
What is the cost of Legal Expense Insurance?
At Zensurance we have negotiated exclusive pricing for our customers and policies start at around 200$ per year. Some things that may impact your premiums include:
- Revenue amounts for your company
- Prior legal issues
Getting insured is quick and easy!
If legal expense insurance is what you need, request a free quote now
Which professions require Legal Expense Insurance
Regardless of the type of business you run, legal expense insurance is critical:
Aerial and ground based Photographers / Videographers
Architects & Engineers
Building Designers (Bill 124)
Directors and Officers
Energy Audits & Assessments
Foreign Legal Consultants
Human Resources (HR) Consultant
Information Technology & Computer Consultants
Lawyer’s Excess Professional Liability
Medical Professionals (Malpractice Insurance)
Medical Students (Malpractice Insurance)
Occupational Health and Safety Consultants
Quality Control Consultants
Publishers and Printers
Recruitment and Employment Agency
Solar & Wind Farm Engineers & Consultants
Travel Agents, Tour operators
Workplace Engineers & Consultants
Common scenarios where Legal Expense Insurance is useful
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.
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.
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
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