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Legal Expense Insurance July 2020

Special offer for professional liability insurance benefits.
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Special Offer for Professional Liability Insurance Clients of Marsh Canada Limited (Marsh)

As a life agent, advisor, financial planner, licensed or unlicensed assistant, mediator, or arbitrator with professional liability insurance brokered through Marsh, you are eligible to purchase Legal Expense Insurance (LEI) for only $115.00/year (plus applicable taxes).

This $115.00/year rate for LEI is exclusive to designated Marsh Canada professional liability insurance clients and features an unlimited Legal Helpline service in addition to legal expense coverage for everyday occurrences (e.g., bodily injury due to the fault of others or employment disputes).

LEI is a special coverage that offers protection for legal expenses related to business, home, and automobile disputes. It may help pay for lawyers’ fees, disbursements for expert witnesses, medical re- ports, court costs, and adverse costs if you lose your case and a judge orders you to pay the other party’s legal fees. This is in addition to unlimited access to the ARAG Business Legal Solutions, which enables clients to ask any legal question and receive information and assistance (whether the issue is covered under the policy or not).

REMEMBER TO TAKE ADVANTAGE OF THIS AFFORDABLE LEI OPTION ONLINE WHEN YOU RENEW YOUR PROFESSIONAL LIABILITY INSURANCE OR ENROL FOR COVERAGE.

LOOK FOR THE LEI COVERAGE OPTION ON YOUR PROFESSIONAL LIABILITY INSURANCE ONLINE RENEWAL PAGE.

Want to talk to a licensed insurance broker about the coverage? Please call Marsh at 1 888 711 7426.

ARAG Coverages

ARAG Business

  • Employment Disputes: if you have a dispute with an employee arising out of their contract of employment, and/or with regards to a wrongful dismissal claim.
  • Statutory Licence Protection: if your business faces a suspension, alteration, or cancellation of your business licence.
  • Legal Defence: If your business faces an occupational health and safety investigation, criminal charges, a police investigation, or an alleged breach of Canadian privacy legislation.
  • Small Claims Court: Contract Disputes and Debt Recovery: if you are involved in a dispute relating to selling or buying goods, or to providing or obtaining services, or if you face a dispute with a client or supplier in regards to a failure to pay an amount owed.

ARAG Personal

  • Driver’s Licence Protection: if you face a suspension or revocation of your driver’s licence.
  • Auto Legal Defence: if you face prosecution for a highway traffic or motor vehicle offence in connection with an insured automobile.
  • Tax Protection: if you face an audit or wish to appeal a decision from the Canada Revenue Agency. Note: Tax Protection coverage can be used  for personal  and business purposes.
  • Bodily Injury: if someone causes you or your family bodily injury.

Minimum Amounts in Dispute

ARAG Business:

  • $1,000 for any Contract Disputes & Debt Recovery claim

Legal Helpline

  • Customers can access unlimited general legal information and assistance on any legal matter, even if the question relates to a topic outside of the policy coverage.

Emotional Support Service

  • Speak to a professional counsellor concerning difficult situations that are not limited to, but may be related to any abuse such as: Psychological; Emotional; Physical; and/or Economic deprivation.

Coverage Limits

  • $100,000 per claim
  • $100,000 aggregate
  • $100,000 Auto Legal Defence
  • Emotional Support & Legal Helpline - Unlimited

Territorial Limit

  • Canada

FAQs

LEI is a unique product that helps individuals and business owners defend or pursue legal action if they have a dispute with another party. With the LEI coverage provided by ARAG Business Legal Solutions, policyholders have access to legal assistance and information, plus the security of knowing the costs of pursuing legal action will be covered.

Legal costs include items like lawyers’ fees, charges for disbursements and the opponent’s legal costs should you lose and be required to pay them.

ARAG policies are designed to provide legal information and expense coverage for a wide range of common issues. The coverage provided under your particular policy is detailed in the policy wording; be sure to read it carefully.

ARAG policies are designed to provide legal guidance and expense coverage for a wide range of common issues. The coverage provided under your particular policy is detailed in the policy wording; be sure to read it carefully. Family law is not covered under any of our policies, but policyholders can receive legal advice regarding family law matters from the Legal Helpline.

If you think you may have a claim, do not ask a lawyer for advice unless ARAG has advised you to do so. If you instruct a lawyer before speaking to us, and we ultimately proceed with your claim, we are unable to honour any costs incurred before your claim was opened with us. There is also a chance that your claim could be prejudiced by not taking and following our advice from the moment you became aware of the dispute.

After reviewing your file, we assign a legal professional with the specific skills, experience and background required for your case. However, if you are unhappy with your appointed lawyer, we will work with you to agree upon another qualified person.

No. Matters which you are aware of before the start of your policy are excluded.

It is not in anyone’s best interests to support a claim which has little chance of success. In civil claims, the appointed lawyer must agree that the claim is more than likely to be successful in order for us to proceed; this is what is meant by the term “reasonable prospects.” Reasonable prospects must exist throughout the duration of a civil claim.

When you call the Legal Helpline, a helpline lawyer will discuss your situation with you and determine if you have a claim. If you do not have a claim, they will offer information on how you may resolve the issue. If you do have a claim, they will open a file for you at the end of the telephone call.

The indemnity limit shown in your policy is the maximum that would be paid out in the event of a claim. You are responsible for any costs over the indemnity limit, and we will inform you if it appears likely that this will happen.

It is often more beneficial for both parties to try and reach a settlement rather than go to court, as going to court can be stressful, expensive and time consuming. The majority of legal disputes are, in fact, settled by negotiation. The ARAG goal is to provide the most appropriate solution to your legal dispute, which may well be negotiation as opposed to going to court.

The premium is $115.00, regardless of when an applicant applies for coverage. There is no pro-rata calculation applicable for mid-term additions to the sponsored program.

Source: ARAG Business Legal Solutions

About ARAG Business Legal Solutions

ARAG Business Legal Solutions is the Canadian market leader and managing general agent specializing exclusively in Legal Expense Insurance. Working with brokers and corporate partners, we create access to justice solutions so Canadian individuals, families and business owners can exercise their rights, preserve their budget and be confident when facing an unforeseen legal event. ARA Business Legal Solutions policies are underwritten by Temple Insurance Company, and both companies are members of Munich Re (Group).

To learn more, please visit www.arag.ca.

How to Apply

Marsh professional liability insurance clients will be offered the opportunity to purchase LEI when they renew their existing professional liability insurance coverage online or apply for the first time.

Your offer to purchase LEI will appear on the "Limit Requested" screen of your online renewal application. Simply indicate that you want to purchase LEI for $115.00/year (plus applicable taxes) by checking the appropriate box and the cost of the insurance will be added to the premium for your professional liability insurance.

If you experience any problems in finding the LEI purchase option, please contact us at 1 888 711 7426.

Information in this web page represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements determines coverage. It contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions and requirements. Deductibles may apply.  For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.

This web page is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Marsh shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.