Legal Expense Coverage
Legal Expense coverage offers protection from costs associated
with legal matters including litigations, disciplinary actions,
human rights complaints and charges under the Criminal Code.
Coverage and Options
Our core Legal Defence Costs coverage is very broad and is
written with no deductible. The core coverage offers legal
protection for the following areas:
• Provincial statutes or regulations.
• Criminal Code coverage when being investigated or
prosecuted. Coverage is applicable whether pleading
guilty or a verdict of guilty is declared.
• Civil action for failure to comply under privacy legislation.
• Civil action when an insured is a trustee of a pension
fund for the Named Insured’s employees.
Cost for Appeals
Legal costs for appeals are covered for Legal Defence Costs and
any optional coverage.
Optional Coverage
In addition to our core coverage for Legal Defence Costs, you
can mix and match any optional coverage to best suit your
business.
Contract disputes and debt recovery covers the Insured’s
legal costs to pursue or defend their legal rights in a dispute
relating to an agreement for selling or buying goods or
providing or obtaining services.
Statutory licence protection covers legal costs for appeals to
the relevant statutory or regulatory authority, court, or tribunal
for an event resulting in the suspension, refusal to renew,
cancellation or alteration of terms with respect to the Named
Insured’s business licence.
Property protection covers legal costs for a Named Insured
to pursue their legal rights for an event that causes physical
damage to the property, is considered a legal nuisance, or
a trespass.
Tax protection covers legal costs for a tax appeal or a tax
audit relating to liability for income tax, GST, PST or HST
or payroll deduction compliance arising from the Named
Insured’s business.
Making A Legal Expense Claim is easy and convenient.
It involves five simple steps:
STEP 1
Call the Legal Helpline – 1-855-953-1434
Available from 8 a.m. to 12 a.m., 7 days a week
If you believe you have a legal issue, you should call the Legal
Helpline right away. The helpline telephone number and your
policy number can be found on your policy certificate and
wallet card. A lawyer will provide legal assistance and identify
potential next steps.
Please note: the lawyer will not advise on coverage, make a
claim decision or review documents.
If the issue appears to be covered, the lawyer will send your
information to the ARAG Claims Department.
If this is an emergency situation and you require immediate
legal advice, please tell the agent that it is an emergency
situation and that a Helpline Lawyer needs to call back
right away.
This handout is intended to provide general information only. Please refer to the policy document for complete details. The policy terms, conditions
and limitations shall apply in all instances. Intact Public Entities Inc. is operated by a wholly owned subsidiary of Intact Financial Corporation. Intact
Design® is a registered trademark of Intact Financial Corporation. All other trademarks are properties of their respective owners. TM & © 2021 Intact
Public Entities and/or its affiliates. All Rights Reserved.
STEP 2
Discuss the Legal Issues with a Claims Analyst
A Claims Analyst is assigned who will contact you by email
and phone, requesting further documents and information to
assist in making a claim decision.
STEP 3
You are Notified of a Claim Decision
Your Claims Analyst will make a final coverage decision once
all the required information is received, and notify you by
phone and email.
If coverage does not apply, you will still have unlimited
access to the Legal Helpline for more legal information
and assistance.
STEP 4
Your Assigned Lawyer Handles your Case Until
it is Closed
Depending on your legal issue, our Claims Analyst will contact
the other party involved to see if it can be resolved to avoid
a lengthy litigation. Any resolution brokered by our Claims
Analyst will be discussed with and approved by you prior to
any final settlement.
STEP 5
If ARAG cannot resolve your issue, a Panel Lawyer
is assigned
You will deal directly with your assigned lawyer until the issue
is resolved. Our Claims Analyst will remain involved to answer
questions and to ensure that your claim moves forward in an
efficient and timely manner. If a deductible is required, you
will pay your assigned lawyer directly. Afterwards the Insurer
pays all related legal expenses up to the approved budget
and/or policy limits.
When the term “you/your” is referenced, it refers to “an
Insured” under our policy, when a legal matter is in conjunction
with their duties for the Named Insured Legal Expense coverage
extends to the following persons who are considered Insureds’
under the policy: council, commission, committee and
board members, trustees, directors and officers, managers,
employees and volunteers. In the case of Children’s Aid
Societies’ Coverage also extends to foster parents and kinship
care providers. Customary care providers are also covered if
there is a formal customary care agreement with the Named
Insured. Please note that kinship service providers are not
covered under this policy.
In partnership with
1221
ARAG Legal Solutions Inc. is the Canadian market leader and Managing General Agent
specializing exclusively in Legal Expense Insurance (LEI). All our policies are underwritten
by HDI Global Specialty SE.
