Close this search box.
Ai Insurance Organization

Get Legal Expense Insurance to Empower and Protect Your Legal Rights!

With the rising costs of legal services and the increasing complexity of the legal system, Legal Expense Insurance has become an increasingly popular option for businesses seeking protection against financial losses related to legal proceedings.

Start the Quote Process

Legal Expense Insurance, also known as Legal Protection Insurance, is a type of insurance coverage designed to help businesses fill the gaps in their current commercial insurance portfolio. Our legal expense insurance provides access to general legal information and financial coverage for the costs of hiring a lawyer, defending your legal rights, or pursuing an unexpected legal case.

We know there is a lot of choice when it comes to insurance. We understand that insurance jargon can be confusing and overwhelming. That’s why we take the time to explain the policy terms in simple and easy-to-understand language. We believe in building lasting relationships with our customers. Our insurance experts are committed to providing exceptional customer service and support, and we will work with you to find the insurance solution that meets your unique needs.

Legal Expense Insurance is Legal protection without a huge legal bill

Chances are a small business owner will deal with at least one legal dispute in the next three years and even COVID isn’t an excuse: only 38% of legal disputes were pandemic related over the past few years, the other 62% were due to simply running the day-to-day operations. And this isn’t an isolated incident; 70% of small businesses have dealt with at least one legal dispute in the last there years. That’s up 230% compared to 2015! Legal risk is on the rise and it’s no longer an ‘if’ something happens, it’s ‘when’.

The majority of time spent resolving legal issues sees the average small business owner spend 61% of their time resolving contract disputes and collecting money owed. Not a very sunny picture and it’s not surprising that 73% of owners feel that legal disputes are a source of mental stress.

Talk to your broker about legal expense insurance. With the average rate for an experienced lawyer in Canada ringing in at about $400 per hour, a legal expense policy is just good math.


Earn 100 Air Miles™ Miles® with Every Completed Quote.

Be automatically entered to win a trip for two.


Ai Insurance Organization Inc. is a proud Partner of the AIR MILES® Reward Program.

Collectors can get Reward Miles™ on eligible Bonding Premium.*

Expert Support

Because we work with multiple insurance companies and a variety of clients we have a higher level of expertise and a broader knowledge of the insurance market. We can provide more in-depth advice and guidance to cleints, and are ofter better equipped to navigate complex insurance policies.

Quick and Easy Claims Support

If you do need to file an insurance claim, we can make the process as simple and straightforward as possible. Our team of insurance brokers will be available to work with you every step of the wa to ensure that your claim s processed quickly and accurately, 24/7.

Personalized Service

Our insurance brokers work directly with our clients to understand their individual needs and recommend policies that are tailored to their specific situation. We strongly believe we can provide mor personalized service and build stronger relationships with our clients, which can lead to higher levels of satisfaction and retention.


Insurance brokers are required to disclose their compensation to clients, which can help build trust and transparency in the relationship. Our clients can have confidence that the brokers at Ai Leisure ar working in your best interest, rather than simply trying to sell you a policy.


Our team of legal expense insurance brokers work independently and represent multiple insurance companies. This gives us the freedom to compare policies and find the bet coverage for you, without being limited to a single insurance company's products.

Continued Education

As insurance brokers we are often required to complete continuing education courses to maintain our license, which helps us stay up-to-date on the latest industry trends and best practices. This results in higher levels of professionalism and industry knowledge.

Commercial Legal Expense Insurance

A Commercial Legal Expense Insurance policy protects your business, and your employees by covering legal costs for unexpected legal events, providing access to general legal information, and empowering you to defend or pursue your legal rights. Speak with your licensed broker to thoroughly understand coverages, limits, and exclusions on the policy.

Get confidential general telephone legal advice. The purpose of the legal information helpline is to provide the insured with access to legal input to help determine their legal rights and options under the laws of the applicable province and the federal laws of Canada [with the exception of Quebec].

Unlimited 24/7 Legal Advice Included with Each Policy

image ()

In addition to covering the cost of legal proceedings, legal expense insurance can also provide a range of additional benefits, such as access to legal advice and support, and help with the preparation of legal documents. This can be especially important for individuals and businesses who are unfamiliar with the legal system, as navigating the legal process can be complicated and time-consuming.

General legal advice, guidance and clarity are just a phone call away. Lawyers will respond quickly to your inquiry and provide you with a clear course of action. Call as often as you need and give yourself the confidence to deal with a potential or in-progress legal situation.

Whether you’re facing a legal dispute, seeking legal advice, or simply looking for peace of mind, legal expense insurance can provide the financial support you need to navigate the legal system with confidence. To find the right policy for your needs, it’s important to compare policies and understand what you’re getting for your money. Fill out the form above or call us today and get the right legal expense insurance coverage.

What Does Legal Expense Insurance Cover?

There are many different types of commercial legal expense insurance available through our program; each designed to meet specific needs and budgets. Some policies offer coverage for a wide range of legal proceedings, while others are more specialized, covering only specific types of cases. Some coverages are also optional.

pointing sketch

Legal Defence

If your business faces criminal charges, a police investigation or an occupational health and safety investigation. If you are being prosecuted for an alleged criminal offence arising from your work as an employee.

pointing sketch

Statutory Licence Protection

If your business faces a suspension, alteration or cancellation of its business licence. If you face a revocation or suspension of your driver’s license after an event arising in connection with a motor vehicle.

pointing sketch

Contract Disputes
& Debt Recovery

This optional coverage is if you face a dispute with a client or supplier in breach of contract or failing to pay an amount owed. If you are involved in a dispute relating to buying or selling goods, obtaining services.

pointing sketch

Bodily Injury

If you or one of your employees is injured on the job because of someone else’s negligence. If a sudden accident causes illness, bodily injury, or death to you or to one of your family members.

pointing sketch

Employee Disputes

If you face legal action from an employee or ex-employee. If you face a dispute relating to your contract of employment or future employment.

pointing sketch

Property Protection

If there is trespass or legal nuisance to your property. If an event causes physical damage to your personal property.

Ask for a Free Consultation

Want to speak with one of our estate specialists on a call or in-person? Out of the country and want to have a meeting over Skype? No problem.

Want to skip any questionnaires and get some easy answers with no obligations.

Legal Expense Insurance Coverage Examples

One of the key factors to consider when choosing legal expense insurance is the level of coverage provided. Some policies may provide comprehensive coverage, while others may only offer coverage for specific types of legal proceedings. It’s important to choose a policy that meets your needs and provides the level of protection you’re looking for.

Another important factor to consider is the cost of the policy. Legal expense insurance can be expensive, and the cost of coverage can vary greatly between policies and providers. It’s important to carefully compare policies and understand what you’re getting for your money before choosing a policy.

pointing sketch

Employee Disputes

A senior staff engineer is dismissed with cause, for repeatedly being late and missing important client meetings. The former employee commences a wrongful dismissal action alleging that her employers did not have cause to dismiss her, and as such did not give the required notice. As there was documented evidence of the engineer’s tardiness, Legal Expense Insurance will retain counsel to defend the engineering firm.

pointing sketch

Legal Defense

While taking the train home from her office, an accountant accidently leaves an unencrypted USB key with client data on the train. A week later, her firm receives complaints from two major clients who claim that their confidential financial information has been posted online and they intend to take legal action for failing to protect their privacy. Legal Expense Insurance will retain a lawyer to defend the accounting firm’s legal rights in relation to failing to comply with privacy legislation requirements.

pointing sketch

Property Protection

The employees of an adjacent business are consistently using an accounting firm’s parking spaces, leaving their employees and clients with no place to park. The firm provided notice not to trespass, but the problem persisted. The firm now wishes to bring legal action. Legal Protection Insurance will secure legal representation to pursue the action.

pointing sketch

Bodily Injury

While working on a project at a client’s premises, an IT consultant is electrocuted due to faulty wiring that the client should have replaced. The consultant is hospitalized resulting in lost wages and pain and suffering. There is no Workers’ Compensation cover for this instance. The Legal Expense Insurance will provide a lawyer and cover legal costs to pursue legal action against the client company.

pointing sketch

Tax Protection

An engineering firm took reasonable care to ensure that its yearly tax return was completed accurately, but an error in total billable hours was nevertheless made. The Canada Revenue Agency is now conducting a tax audit relating to liability for HST. Legal Expense Insurance will secure legal representation to pursue the legal rights of the business in respect of the tax audit.

*The above scenarios are examples only.  Coverage is subject to terms, conditions and exclusions of the policy.


What our clients are saying