Member Legal Benefits
Available Coverage
With a wide range of commercial and personal coverages available, Legal Expense Insurance will enhance any trade, industry, or professional association membership package.
Members will thank association leaders for helping them save time, money, and effort when they face an unforeseen legal issue.
Insured Event |
Business Coverage |
Personal Coverage |
|---|---|---|
| Employment Disputes | Disputes commenced by employees, prospective employees, or ex-employees | Disputes relating to a contract of employment or future employment |
| Employees' Extra Protection | Defending against proceedings brought against an employee for unlawful discrimination. | Not available |
| Legal Defence | Defending against a criminal or occupational health and safety investigation or prosecution. | Defending against a criminal investigation or prosecution arising from an insured’s work as an employee, or prosecution for a highway traffic or motor vehicle offence. |
| Auto Legal Defence | Defending against a prosecution for a highway traffic or motor vehicle offence. | Already included under Legal Defence. |
| Driver's Licence Protection | Not Available | Defending against the revocation or suspension of an insured’s motor vehicle driver’s licence. |
| Bodily Injury | Pursuing legal action due to a work-related injury while away from the business premises. | Pursuing legal action due to an accident that causes death, illness, or a serious injury. |
| Property Protection | Pursuing legal action relating to a trespass, legal nuisance or if a third party causes physical damage to business property. | Pursuing legal action relating to a trespass, legal nuisance or if a third party causes physical damage to personal property. |
| Statutory License Appeals | Defending against the revocation, suspension, or non-renewal of an operating or business licence. | Not Available |
| Contract Disputes | Pursuing or defending legal action for disputes relating to the selling or buying of goods and providing or obtaining services. Plus, recovery of money owned in the delivery of goods or services and disputes for premises rented by a business to conduct their operations within. | Pursuing or defending legal action for disputes relating to the selling or buying of goods or obtaining services. Plus, coverage for disputes with a leasing company for the amount due if a leased motor vehicle is declared a total loss by the auto insurer. |
| Tenancy Disputes | Already included under Contract Disputes. | Pursuing or defending a dispute relating to a residential tenancy agreement the insured entered into to rent their principal residence. |
| Tax Protection | Responding to a tax audit or appealing a Canada Revenue Agency (CRA) decision. | Responding to a tax audit or appealing a Canada Revenue Agency (CRA) decision. |
Legal Assistance Services |
Available for Both Business and Personal Coverage |
|---|---|
| Legal Helpline | Unlimited 24/7 access to a Helpline Lawyer providing general legal assistance and information. |
| Legal Document Review | On behalf of the insured, a lawyer will review and comment on a legal document up to 8 single-sided pages in length. |
| Simple Legal Letter Drafting | A lawyer will draft a simple legal letter on behalf of the insured. |
| Legal Document Centre | Unlimited access to an online library of customizable legal document templates. |
Additional Support Services |
Business Coverage |
Personal Coverage |
|---|---|---|
| HR Assistance | Unlimited access to a Human Resources professional who provides assistance and best practices on a wide range of HR topics. | Not Available |
| Identity Theft Protection Assistance | Not Available | Unlimited access to an Identity Theft Expert who provides general prevention tips and assistance to restore an insured’s identity. |
| Emotional Support Assistance |
Unlimited access to a professional counsellor if an insured may be experiencing psychological, emotional and/or physical abuse. This service is also available to all employees under our business coverage. |
Unlimited access to a professional counsellor if an insured may be experiencing psychological, emotional and/or physical abuse. |
