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LEI for Physicians and Surgeons

As a medical professional, you may be faced with the possibility of becoming involved in legal disputes. You may be called upon to respond to a complaint made to your regulatory body or even be faced with an audit of your billing records.

Available throughout Canada

If you find yourself facing these issues, the last thing you need to worry about is the significant expense associated with engaging legal counsel.

In 2001 alone, upwards of 500 doctors across Ontario were ordered to repay alleged over-billings totalling over $11.7 million. And the trend is worsening.”

Legal Expense Insurance program for Physicians and Surgeons in Ontario was developed to help you protect your professional status. The program covers the key needs identified by Physicians and Surgeons:

  • Coverage for legal fees and disbursements when you require representation by a lawyer.
  • Unlimited access to a lawyer via a toll-free Telephone Legal Advisory Service during regular business hours (with 24 hour-a-day access for emergencies).

This program is designed to give you the peace of mind knowing that you can obtain immediate legal assistance without worrying about the costs. When required, you will select your lawyer from a panel of legal firms who specialize in representing healthcare professionals. The legal fees of the lawyer you choose to represent you will be paid up to a maximum hourly rate of $400.

STERLON LEI for Physicians

Summary of Coverage

Types of Professional Issues Covered

  • Attendance at a Coroner’s Inquest.
  • Any investigation or inquiry by the Human Rights Commission where your participation is required.
  • Enforcing a contractual right of access to health facilities to conduct a professional practice.
  • Data mining investigations undertaken by the Ontario Hospital Insurance Plan (OHIP).
  • Pursuit of an appeal to the Health Services Appeal and Review Board.
  • Defence of criminal charges arising from your conduct and/or duties as a physician or surgeon.
  • Appearance before the College of Physicians and Surgeons of Ontario in matters concerning professional misconduct, incompetence, discipline and/or complaint.
  • Any investigation, tribunal and/or inquiry relating to an audit of your billings conducted by the Physicians Audit Board.
  • Appearance before the College of Physicians and Surgeons of Ontario in matters concerning fitness to practice or professional licence to practice.
  • Defence of an appeal proceeding arising from any of the professional issues covered above.


  • Immediate legal advice and assistance offered by counsel providing a Telephone Legal Advisory Service
  • No deductible
  • Representation by highly qualified firms

Indemnity Limits

There is no indemnity for the following:

  • Legal fees and expenses incurred or paid before the Insurer has given consent.
  • Awards and/or demands of compensation, repayment, damages, liability, surcharge levies, fines or penalties of any nature.
  • Any legislated investigation, tribunal discipline hearings and/or enquiry relating to sexual abuse, sexual harassment or sexual misbehavior charges or complaints unless you are acquitted of any charges or the complaint is dismissed.
  • Criminal charges alleging unlawful violence, fraud or dishonesty.
  • Any Insured Event relating to or arising from the charging or collection of fees relating to the provision of alternative medicine.
  • Any malpractice issues.

This insurance will pay the reasonable legal fees and expenses of the lawyer (subject to a maximum hourly rate of $400) up to a maximum of $100,000 per claim with a $250,000 annual aggregate limit (maximum payable per year).

This is only an outline of the policy. Certain policy exclusions and limitations may apply in any given fact situation and limit the amount payable under this coverage.

Full terms and conditions of this insurance, including all exclusions and limitations, are described in the policy document, available from the following broker.

Contact for more information

Roger Bickers

Heart Lake Insurance Brokers Inc.
220 Advance Blvd.
Suite 201
Brampton ON
L6T 4J5

P: 905-840-0064 ext. 226
C: 905-409-5025
Toll-free: 1-855-264-2270
Fax: 905-840-0061


Gabily Germain

Assurance R. Legault Inc.
5088, rue de Bellechasse,
Montréal QC
H1T 2A2

T: 514-252-8585 ext. 221
Fax: 514-731-3920

Alberta & BC

Sarah Hanson

Foster Park Brokers
#520‑8621 201 Street
Langley BC
V2Y 0G9

P: 604-579-1213
C: 604-916-2396