Business Legal Expense Coverage

A full time legal team is no longer just for Fortune 1000 companies. Your company can now afford access to legal council around the clock for a fixed annual fee.

Your Business Protected

Great coverage that provides you the financial security to continue your legal action over time and against well-funded foes.


Frequently asked questions:

The Business Legal Expense coverage has a lot to offer, thus you might have a few questions. Here are the most frequently asked questions. 
What is Legal Expense Insurance (LEI)?

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.

What do ‘legal costs’ include?
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.
Will my LEI policy cover ‘any’ legal dispute?
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.
If I have a legal issue before my policy starts, will it be covered?
Matters you are aware of before the start of your policy are not covered.
What does ‘reasonable prospects’ mean?
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.
If I call the legal advice helpline, does it automatically trigger a 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.
What happens if my legal costs end up going over my limit of indemnity?
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.
My policy suggests that some issues may be ‘negotiated’ rather than simply pursued or defended in court. Why is this?
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.
Does my policy cover the defence of criminal charges (ex. a policyholder is criminally charged with assault)?
Our policy will only cover a criminal defence if the alleged criminal act was in relation to employment.
What if I am not happy with the way the appointed lawyer is dealing with my claim?
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.
Will I ever meet with the lawyer face to face, or is everything over the phone?
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.
What are your privacy protection rules?
Please visit to view our privacy policy.
What number do I call for legal advice?
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.
Legal Expense
Please pass on my professional ‘thank you’ to everyone that was involved on the insurance and adjusting side of things. Our policy provided some reassurance and comfort during a chaotic time. Trust me, there was enough on my plate that having the response and assistance I received from your side of things made a huge difference, at the end of each day. – Glenn, a customer from Ohsweken 

* Coverage is subject to the terms, conditions, and exclusions of the policy. For full details of coverage, please read the LEC drivXP, LEC livXP and LECbusiness policy wording. Deductibles may apply.