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Legal Expense

A Legal Expense Insurance policy empowers you to reach a settlement, defend or pursue your rights in court, and take back control of your business without endangering your finances.

We offer a suite of Legal Expense Insurance products designed to:

  • Protect you from costly legal expenses
  • Allow you to defend or pursue your legal rights
  • Give you unlimited access to legal advice

A Legal Expense Policy is designed to respond to a variety of legal issues commonly faced by business owners. The policy will protect your business and cover your legal costs and gaps in traditional commercial insurance coverage in the following legal situations:

  • Employment disputes
  • Legal defence
  • Contract disputes and debt recovery (optional coverage)
  • Statutory licence protection
  • Property protection
  • Bodily injury
  • Tax protection

With policy limits of $200,000 per claim and $1,000,000 in total per policy year, A Legal Expense Policy provides you the financial security to continue your legal action over time and against well-funded foes.

Every policy also includes unlimited access to general legal advice for any legal question, regardless if the issue is covered by your policy or not. Just like having a lawyer on retainer, advice is only a phone call away. We encourage you to call as often as needed. Gain confidence and peace of mind.

To get a quote or find out more, please click here and answer a few quick questions.

Optimized Risk & Insurance Ltd.

PO Box 21364
100 Elizabeth Avenue
St. John's, NL A1A 5G6

Contact details

E-mail address:

Phone: 709.700.0080

Available 24/7