Legal Expense Insurance (LEI) is a unique product that helps individuals and business owners defend or pursue their legal rights if they have a dispute with another party. With the LEI coverage, policyholders have access to legal advice and guidance, as well as financial security knowing their legal costs will be covered should they face an insured legal issue. LEC offers a suite of LEI coverages, each designed to meet specific business needs. An LECbusiness policy:

– Provides financial coverage in a variety of potential legal events, including employment disputes, bodily injury, legal defence, contract disputes, and debt recovery.

– Empowers policyholders to pursue or defend their legal rights.

– Provides you with unlimited access to a general legal advice helpline.

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

Our 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. Our telephone legal advice line, however, will offer advice on any legal matter. For example, if you have a question that is not covered by your policy, LECbusiness policyholders can receive general legal advice and guidance.

Matters you are aware of before the start of your policy are not covered.

It is not in anyone’s best interests to support a frivolous lawsuits or 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 the term “reasonable prospects” means. Reasonable prospects must exist throughout the duration of a civil claim.

No; when you call the legal advice helpline, our advice lawyers will first discuss your situation with you. If your issue is not covered by the policy, the lawyer will advise you on potential next steps to resolve it. If the advice lawyer believes you are facing a claimable legal event, your file is referred to the insurer’s Claims Department for a determination of coverage. If your legal issue is claimable, a panel lawyer is assigned. The assigned lawyer handles the case until its conclusion.

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 will happen with your claim.

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. Our goal is to provide the most appropriate solution to your legal dispute, which may well be negotiation as opposed to going to court.

Our policy will only cover a criminal defence if the alleged criminal act was in relation to employment.

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 lawyer within our panel of law firms.

The initial contact with the Legal Advice Helpline and the appointed lawyer will be over the phone. After that, you can meet with your assigned lawyer face to face, if that is what you want to do.

Please visit https://legalexpensecanada.com/privacy-policy/ to view our privacy policy.

Please call the Legal Advice Helpline at 1-877-788-8889. This toll-free telephone number can be found on your wallet card or in your LEC  policy wording booklet.