Personal Legal Expense Coverage

When legal issues arise, we’ve got you covered

Legal issues can be stressful and very costly, often distracting you from the things that matter most in your life. Add Legal Expense Coverage to your home, condo, or tenant insurance to help you defend or pursue your legal rights should you ever find yourself in an unexpected legal situation.

Protecting you from legal surprises

Whether it’s a dispute with a contractor, a problem with a neighbour, or an employment dispute, unexpected situations can arise at any time. Personal Legal Expense Coverage allows you to handle these types of situations by covering your legal costs and giving you access to qualified lawyers:

Employment disputes

If you’re dismissed from your job without reasonable grounds or compensation, we’ll provide an employment lawyer and cover the costs to pursue legal action against your former employer.

Property protection

Did a neighbour cut down a shared tree without consulting you, resulting in damage to you or your property? We can provide legal representation and cover the costs to negotiate with your neighbour.

Tax protection

Did you receive a notice from the CRA claiming you owe significant additional personal income tax? You’ll work with a qualified lawyer or tax accountant and we’ll cover the costs incurred to challenge the assessment.

Driver’s licence protection

If a traffic incident results in suspension of your driver’s licence, we can provide a lawyer and cover legal costs to appeal the suspension on your behalf.

Contract disputes
(personal and auto)

When you hire a contractor to fix or renovate your home, you expect the work to be delivered as promised. If your contractor doesn’t fulfill their contractual obligations, we will cover the costs to help you assert your legal rights.

Legal defence
(personal and auto)

If you’re pulled over for speeding, we can provide a lawyer to represent you in traffic court and cover the associated legal fees.

Frequently Asked Questions

How much coverage does Legal Expense Coverage provide?

Coverage is provided up to $100,000 per occurrence and $500,000 aggregate per term

What does Legal Expense Coverage actually cover?

Access to qualified lawyers without the stress of unpredictable out-of-pocket costs
Eligible legal and court fees incurred, including adverse costs that you may be ordered to pay in the loss of a case

How do I make a Legal Expense claim?

Call our Telephone Legal Helpline at 1-888-668-6027 to speak with a lawyer and get your claim started. This toll-free, deductible-free, helpline is available from 8:00 am to midnight, local time, seven days a week.

Ready to talk?

Contact your broker to learn more about Legal Expense Coverage.

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