What is legal expense insurance? What’s covered in Canada?
Legal expense insurance (LEI) helps protect Canadian businesses against the cost of legal disputes, advice, and representation. Whether you need to defend a claim or pursue legal action, the financial and time burden can be significant without coverage.
Legal expense insurance helps cover legal fees, provides access to legal advice, and supports your ability to enforce or defend your rights.
Front Row partners with ARAG to offer legal expense insurance solutions tailored to businesses across Canada.
Coverage may help if your business faces claims from employees or former employees, including wrongful dismissal or workplace-related disputes.
If a client fails to pay or a supplier breaches a contract, coverage may help you pursue recovery or defend your position.
If your business faces regulatory action, criminal charges, or investigations (including occupational health and safety matters), legal expense insurance may help cover defence costs.
If your business licence is suspended, revoked, or altered, coverage may help with legal costs to challenge or respond to the decision.
Coverage may help if your business experiences legal issues related to trespass, nuisance, or disputes involving your premises.
If you or your employees are injured due to a third party’s negligence, coverage may help pursue compensation.
If your business is audited or disputes a decision from the Canada Revenue Agency (CRA), coverage may help with legal and professional costs.
Policyholders receive access to a legal helpline for guidance on a wide range of business legal questions, even outside of covered claims.
Why trust Front Row for legal expense insurance in Canada
Legal issues can disrupt your business quickly. The right support makes all the difference.
Access to ARAG legal expertise
We partner with ARAG, a global leader in legal expense insurance.
Financial support for legal action
Coverage helps reduce the cost barrier to pursuing or defending legal claims.
Unlimited legal helpline
Get access to qualified legal professionals for everyday business questions and urgent issues.
Coverage across business risks
From employment matters to contract disputes, protection is designed for real-world business challenges.
Clear, practical guidance
We help you understand how legal expense insurance works and where it fits within your broader coverage.
Responsive support
When legal issues arise, we're here to help you access the support and resources you need quickly.
Explore real examples of legal expense insurance claims
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Frequently asked questions about legal expense insurance
Legal expense insurance can cover legal fees, court costs, and access to legal advice for a range of disputes, including employment issues, contract disputes, regulatory matters, and tax-related challenges. Coverage varies by policy.
No. Legal expense insurance is separate from general liability coverage. It focuses specifically on legal costs rather than third-party injury or property damage claims.
Policies often provide limits per claim and per policy year. For example, some programs offer up to $100,000 per claim and $500,000 annually, depending on the policy.
Yes. Many policies include access to a legal helpline, allowing you to get advice on legal matters before they escalate into formal disputes.
Small businesses, consultants, and professionals who rely on contracts, employees, or regulatory compliance can benefit from this coverage.
Yes. Many policies include coverage for disputes involving employees or former employees, subject to policy terms and conditions.
Applications typically require details about your business operations, number of employees, industry, and prior legal or claims history.
Front Row helps guide you through the process to ensure proper coverage placement.
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Whether you work in film, music, theatre, or photography, Front Row delivers insurance designed for the entertainment industry, with expert support across Canada.
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