Commercial Legal Expense, Legal Coverage, Legal Expense Insurance, Contract Disputes Insurance, Employment Disputes Insurance, Criminal Prosecution Insurance, Property Dispute Insurance, Personal Injury Insurance,
Telephone Legal Advice
Who Does The Plan Cover?
Specifically designed for small to medium sized companies
with annual gross sales or receipts of under $10,000,000,
Commercial Legal Expense Insurance (CLEI) is a unique product
aimed at companies that have neither legal advisors on staff
nor wish to pay costly retainer fees.
Summary of Coverages
CLEI covers legal fees arising from five areas not covered by either Commercial General Liability Insurance or Professional Liability Insurance:
- Contract Disputes - Pursuit or defence of contractual disputes relating to the sale, purchase, lease or rental of goods (excludes rights or interests in real property) or the provision of services (e.g. disputes with customers/suppliers, defence against claims of poor workmanship)
- Employment Disputes - The defence of any action following a dispute with an employee or ex-employee which arises out of or relates to his/her contract of employment (e.g. defence against wrongful dismissal charges, discrimination)
- Criminal Prosecution - Defence of criminal or statutory proceedings including prosecutions under the Criminal Code (Canada), Occupational Health and Safety Act, Business Practices Act and Workplace Hazardous Materials Information Services Act
- Property Disputes - Pursuit or defence of disputes relating to the possession of freehold or leasehold property including nuisance or damage to your property by a third party (e.g. landlord and tenant disputes, nuisance and trespass). Note that property under this coverage means real property only.
- Personal Injury - Pursuit of claims for compensation relating to death or bodily injury sustained away from the workplace but while engaged in business activities. This coverage extends to any employee acting within the scope of their employment.
