LEGAL INSURANCE FOR INDIVIDUALS
General Insurance | Legal insurance for individuals
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It is essential that you be able to assert your individual rights. And as we know, legal fees can add up in no time. Legal insurance will help you cover some of the costs incurred. You can defend yourself, receive legal advice or represent yourself if necessary.
As a homeowner, worker, consumer, and citizen, you have rights. When the time comes to assert them, put all the chances on your side.
Being able to count on the support of a professional when a dispute arises can make all the difference in the world.
Contact your Malouin Assurance broker for a quick quote.
Money-saving tips
Inexpensive insurance that will come in handy when you need it
This coverage is optional and can be added to some of your existing insurance policies. For a minimal fee, you can avoid a lot of stress if you need to assert your rights.
info@malouinassurance.ca
Phone
1 888 625-6846
Coverage
Start with the basics
Legal insurance allows you to benefit from financial assistance to cover part of the costs incurred to defend yourself. In the event of a dispute, it will be easier to assert your rights or represent yourself in court. This type of insurance is often offered as a complement to home or auto insurance.
Expertise
Lawyer's fees
Legal fees
When will your legal insurance be useful?
You never want to find yourself in a situation where you have to assert your rights or claim compensation. But it’s when everything is quiet that we need to prepare ourselves for more uncertain times.
Here are some situations where legal insurance could be of great help:
Breach of contract
Misleading advertising
Medical malpractice
Workplace harassment
Hidden defects
Injuries due to an unsafe environment
Wrongful Dismissal
There also includes everything related to a « non-contentious » legal action
Consultation for the verification of a will
Consultation to certify an incapacity mandate
These are just a few examples. Nothing beats consulting with an advisor who is familiar with legal insurance to inform you of what is covered and what is excluded.
General Questions
FAQ
Why purchase legal insurance?
In Quebec, the average hourly rates for lawyers hover between $210 and $450. You can imagine how easily legal fees can skyrocket. Since no one is immune from an unforeseen situation that will require the services of a legal professional, legal insurance can prove very useful.
How much does legal insurance cost in Canada?
On average, personal or family legal insurance will cost between $60 and $100 annually.
Is there a way to ensure that legal fees are covered by my legal insurance?
Ask your lawyer if he or she accepts to work for a flat rate. Set the flat rate according to the maximum amount your legal insurance will cover. You can also approach a lawyer who accepts a percentage of the settlement in lieu of fees, if he or she wins the case.
What is the difference between "legal insurance" and "legal assistance"?
Legal assistance is not insurance. Rather, it is a telephone service that allows you to consult with a lawyer or a notary to obtain legal information. This type of service is often available free of charge with the purchase of automobile or home insurance. Sometimes this service comes with a small annual premium.
What is covered by legal insurance?
Here’s what is not covered by legal insurance:
- Any litigation in progress at the time you take out the insurance;
- Typically, divorce, alimony or child custody disputes;
- Litigation in criminal or penal matters.
While we’re on the subject of legal insurance, here are some additional important details:
- A deductible may apply;
- Insurance may reimburse only a portion of the costs;
- Some policies set a maximum hourly rate for reimbursement.
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info@malouinassurance.ca
Phone
1 888 625-6846
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