Legal Expense Insurance

Legal fees, covered before you need to count them.

Most business legal problems aren't insurance claims — contract disputes, employment disagreements, CRA audits, debt recovery. Legal expense insurance funds lawyers for exactly these, plus telephone legal advice you can use before problems harden.

We add legal expense coverage to business programs as an inexpensive layer that gets used more often than almost any other policy.

What's covered

Contract dispute legal costs, pursuing and defending
Employment dispute defence
Tax audit and CRA dispute representation
Debt recovery legal costs
Statutory licence protection appeals
Unlimited telephone legal advice helpline

Good to know

Frequently asked questions

How is this different from my liability insurance?: Liability defends claims that you harmed someone. Legal expense funds ordinary commercial disputes — the unpaid invoice, the contract disagreement, the audit — where no liability policy responds.
Does it cover disputes that started before I bought the policy?: No — like all insurance it covers what arises after inception. Buy it while things are quiet; that's when it's cheapest and cleanest.
Is the legal helpline actually useful?: It's the sleeper benefit: unlimited advice calls mean you ask the lawyer before signing, firing, or replying — which prevents more losses than any policy pays.

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Frequently asked questions

How is this different from my liability insurance?

Liability defends claims that you harmed someone. Legal expense funds ordinary commercial disputes — the unpaid invoice, the contract disagreement, the audit — where no liability policy responds.

Does it cover disputes that started before I bought the policy?

No — like all insurance it covers what arises after inception. Buy it while things are quiet; that's when it's cheapest and cleanest.

Is the legal helpline actually useful?

It's the sleeper benefit: unlimited advice calls mean you ask the lawyer before signing, firing, or replying — which prevents more losses than any policy pays.