Legal
Protecting your rights without breaking the bank is possible! Disputes with neighbors, hidden defects in your property, or even disagreements within the family can easily turn complicated and expensive. Legal protection insurance provides you with the assistance and resources necessary to navigate and resolve these situations.
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Why take out legal insurance?
When a dispute arises, legal fees can accumulate rapidly. Legal insurance serves as a safety net by covering a portion of these costs and providing access to professionals who can offer advice or representation. After all, when it comes to defending your rights, it’s always better to have support. This type of insurance is often available as an add-on to home insurance policies.
Standard coverage
Depending on your circumstances, standard coverage may be the best option for you.
Professional
Experts are available to help you understand your options more clearly.
Legal costs
Coverage aims to lower the costs related to lawsuits or appeals.
Attorney fees
Receive financial support for your attorney fees.
When will your legal insurance come in handy?
No one wants to be involved in a conflict or dispute. However, when it occurs, it’s best to be well protected. Legal insurance safeguards you in the event of:
- Breach of contract
- Hidden defects
- Misleading advertising
- Injuries due to an unsafe environment
- Medical malpractice
- Unfair dismissal
- Harassment at work
FAQ
Answers to your questions!
Why purchase legal insurance?
In Quebec, the average hourly rate for lawyers ranges from $210 to $450. It’s easy to understand how legal fees can accumulate quickly. Since anyone can encounter unexpected situations that may require the assistance of a legal professional, having legal insurance can be a valuable asset.
How much does legal insurance cost in Canada?
On average, personal or family legal insurance costs between $60 and $100 per year.
How can I ensure that my legal fees will be covered by legal insurance?
Ask your lawyer if they accept flat fees. Set the flat fee to match the maximum amount covered by your legal insurance. Alternatively, consider hiring a lawyer who charges a percentage of the winnings as their fee if they win your case.
What is the difference between “legal insurance” and “legal assistance”?
Legal assistance is not the same as insurance. It is a service that allows you to consult with a lawyer or notary over the phone to obtain legal information. This type of service is often included at no extra cost when you purchase home insurance, although it may sometimes require a small annual premium.
What does legal insurance cover?
The following disputes are generally not covered by legal insurance: any dispute that was ongoing at the time the insurance was acquired; disputes related to divorce, alimony, or child custody; and disputes concerning criminal matters.
While we are on the subject of legal insurance details, there are a few important points to keep in mind: you might need to pay a deductible; the insurance may only cover part of the costs; and some policies may have a maximum hourly rate that they will reimburse.
Interested?
Get a quote
At Malouin Assurance, we believe that peace of mind starts with a quote. Our quoting process is simple, personalized, and always tailored to your specific needs.
Talk to a broker 1-888-625-6846
Partners
We work with the best suppliers
Intact
Promutuel
L’Unique
Pafco
