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CLEI for Senior Care Institutions

Legal Expense Insurance provides protection for specific issues that are not ordinarily covered by your commercial liability policy.

Legal Expense Insurance for Senior Care Institutions

Legal Expense Insurance provides protection for specific issues that are not ordinarily covered by your commercial liability policy. The coverage relates to matters that can affect all organizations engaging in services for seniors and where having the ability to seek legal advice may prevent a matter becoming an expensive and time consuming issue. This cover provides you with peace of mind knowing that a lawyer is readily accessible to provide you with advice, and if necessary to represent you.

Senior care

Summary of Coverage

Contract Protection – pursuit or defence of contractual disputes relating to the sale, purchase, lease or rental of goods (Contract for Goods) or the provision of services (Contract for Services) e.g. disputes with customers/suppliers or a Resident’s licence or contract for care services (including recovery of care service charges).
N.B. Legal fees and expenses are limited to 100% of the amount in dispute. The sum in dispute must exceed $5000. If this is the first legal expense policy you have held the contract must be entered into during the policy period.

Employment Defence Protection – e.g. defence against wrongful dismissal charges, discrimination. You are required to contact the TLA service for all employment issues and you must follow the recommendations given.
N.B. If this is the first legal expense policy you have held there is a ninety day waiting period from inception of the policy before this section of coverage takes effect.

Criminal Prosecution Protection – e.g. Defence of criminal or statutory proceedings (e.g. Criminal Code (Canada), Occupational Health and Safety Act). Cover can be extended to an employee if joined in the same criminal proceedings at your request.

Property Protection – e.g. Pursuit or defence of disputes relating to freehold/leasehold property (e.g. landlord and tenant disputes, nuisance and trespass). This includes pursuit of claims relating to damage to Property but the legal fees and expenses are limited to 100% of the amount in dispute. The sum in dispute must exceed $1000.

Tax Protection – Tax Audit and Tax Reassessment arising out of any tax return submitted to the Canadian Revenue Agency or other similar Canadian provincial agency.
N.B. a claim must be notified within 30 days of receipt of any Tax Reassessment. Preparation of tax return is excluded. An accountant will provide assistance.

Registration Protection – Representation where a notice to cancel or suspend a care licence or registration is issued. You are required to contact STERLON immediately upon receipt of any communication from a regulatory body. You will receive telephone legal advice with respect to the issue and you must follow the recommendations given.

Driver Protection – Defence of you, and any employee at your request who was acting within the scope of their employment, in matters relating to a suspension or revocation of a driver’s licence or Commercial Vehicle Operators certificate, or a prosecution under the Highway Traffic Act and Criminal Code of Canada

Privacy Legislation Protection – Defence against breaches of privacy legislation.

Contact for more information
Ontario
NFP

Josée Gatien

Client Director
Commercial Lines
NFP
1–555 Barry Downe Road
Sudbury, ON
P3A 3T4

P: 705.525.4804
F: 705.525.4673

josee.gatien@nfp.ca
www.nfp.com

Alberta & BC
NFP

Sarah Hanson, BA, CRM, CAIB (Hons)

Vice President, Client Executive
Business Insurance
NFP
520–8621 201 Street
Langley, BC
V2Y 0G9

P: 604-579-1213
C: 604-916-2396
TF: 1-800-668-3213

sarah.hanson@nfp.ca
www.nfp.com

Canada
South Western Insurance Group

Sam Chu, CIP CRM

Team Lead/Senior Underwriter – Allied Health
South Western Insurance Group
105–21 Four Seasons Place
Toronto, ON
M98 6J8

P: 416-477-7893
C: 416-738-4263

sam.chu@swgins.com
www.swgins.com/