What would you do if you had a legal dispute with a contractor, neighbour or tenant? Would you contact a lawyer? Would you have the financial resources to cover the costs of securing advice and going to court? Legal protection insurance is designed to provide you with access to legal advice, assistance and cost coverage for just this situation and for many other common legal disputes. Continue reading to learn more.
Legal advice helpline |
With our legal protection insurance you can discuss any personal (non-automobile related) legal or tax matter from 8 AM until midnight, seven days a week. When you’re dealing with an emergency situation, help is only a phone call away and it’s available 24 hours a day. |
Employee legal defence |
This coverage will pay legal costs you may incur to defend yourself against an alleged criminal offence arising from your work as an employee. For example, if you’re a nurse, and a patient is accidentally killed as a result of an injection you administered, you could be charged with manslaughter. This coverage would pay to defend you against this charge. |
Property protection |
This coverage will pay the legal costs to pursue your legal rights in a civil action relating to your home when there is damage to your premises, or a legal nuisance. For example, your neighbour cut down a common hedge. Or, your neighbour’s teenage son plays loud music till 3 AM and has not responded to your requests to stop. |
Tax protection |
This coverage will pay any legal costs you may incur as a result of a tax appeal or tax audit relating to your personal tax affairs. In order to qualify, you must have taken reasonable care to ensure your tax returns are correctly completed and submitted. |
Contract disputes |
Optionally, you can add this coverage, which will pay legal costs you may incur to pursue or defend your legal rights in a dispute relating to an agreement that you entered into for: buying or selling goods; or, obtaining services. For example, you hire a contractor to renovate your basement but the contractor fails to complete the work agreed in your contract, and does not return your payment. |
ready for an online quote? Policies start at $12/month if you rent your home and $40/month if you own your home. To see how much you can save with Square One, get a personalized online quote now.
At Square One, we offer a landlord legal protection insurance package that includes:
Legal advice helpline |
With our landlord legal protection insurance, you can discuss any matter relating to the residential tenancy of premises you own and rent to others. The helpline is available 24 hours a day. |
Residential tenancy
|
This coverage will pay any legal costs from pursuing an application before a residential tenancy tribunal. For example, your tenant provides formal notice of rental termination so you rent the property to a new tenant. The original tenant changes their mind and refuses to leave. A lawyer would be assigned to handle and represent you in pursuing an eviction through the residential tenancy tribunal. |
Landlord order enforcement |
This coverage will pay the legal costs from enforcing an order that grants you vacant possession of residential premises you own and rent to others. For example, you secure the necessary eviction order from the residential tenancy tribunal, but the tenant refuses to vacate. This coverage will pay all legal costs relating to enforcement of the eviction order, including sheriff office and mileage fees. |
Landlord legal defence |
This coverage will pay any legal costs from defending against criminal prosecution that results from the residential tenancy of premises you own and rent to others. For example, a fire in the rental premises spreads quickly and results in the death of a tenant. A fire marshall investigation determines the fire prevention system was not up to code and you, as the landlord, are charged with criminal negligence. With this coverage, a lawyer would be appointed to represent you and it would pay all legal costs during the investigation and defence process. |
Employment disputes |
This coverage will pay legal costs you may incur to pursue your legal rights in a number of disputes arising out of your legal relationship with your employer. For example, your employer terminates your employment under false pretences, causing you financial harm. |
Bodily injury protection |
This coverage will pay legal costs you may incur to pursue your legal rights against someone if you are injured as a result of their actions. For example, a stranger on the golf course runs you over with their golf cart, sending you to the hospital with a serious injury. |
Driver’s license protection |
This coverage will pay legal costs you may incur to defend your legal rights against potential revocation or suspension of your driver’s license, in certain circumstances. For example, you are wrongfully charged with dangerous driving and need a lawyer to help set the record straight and keep your driver’s license. |
Automobile total loss
|
This coverage will pay legal costs you may incur to achieve a fair settlement with your automobile insurer, in cases where your vehicle has been “written off.” For example, you are unable to reach an agreement with your automobile insurer on the actual cash value of your vehicle after a total loss, and need a lawyer’s assistance to negotiate on your behalf. |
When you compare the cost of legal protection insurance with the hourly cost of legal representation, you’ll see what a great deal it is. At Square One, plans start at only $2.50 per month.
Legal expense protection insurance is sold by Square One Insurance Services Inc., administered by DAS Legal Protection Inc., and underwritten by Temple Insurance company. Temple Insurance Company is part of the Munich Re Group – one of the world’s leading reinsurers.
DAS Legal Protection Inc. has specialized in legal expense products and services since the first office opened in Germany in 1928. To learn more about DAS Legal Protection Inc., please visit www.das.ca or call Square One at 1.855.331.6933.
Have you ever wanted to take someone to court? Maybe your neighbour has built a shed partially on your property, and refuses to move it. Or maybe you’ve just had your kitchen renovated, and the cupboard doors are already falling off.
Well, you’re not alone. In the last 5 years in Canada, 4,250,000 Canadians accessed the legal system in one way or another, not including criminal cases. But fewer than half of these people hired a lawyer to represent them, even though they would be significantly more likely to win their case. Why?
The average cost of hiring a lawyer in Canada is $379 per hour. This translates into $37,000 for a trial that takes 2 days. How many of us can afford that? If the trial drags out for a week, you could be looking at $124,000.
A survey was taken recently by DAS Canada Ltd, a company that provides legal protection insurance, to determine why people decided whether or not to access the legal system. Most people said that financial considerations would stop them from taking legal action. Many of them said they know someone who has gone into debt trying to solve a legal issue. Who wants to go into debt to take a case to court, when you may not get a positive result?
How would they expect to pay for a lawsuit? 39% said they would use their savings, but most people would either have to use credit or liquidate some assets in order to pay legal fees.
Most people decide not to take legal action, even when they have a pretty good case. Some of the reasons for this are:
What would allow you to have greater access to the legal system? Lower legal fees was the number one response, followed by access to free telephone legal advice, shorter average court case time, more mediation/arbitration, and better educational resources about the legal system.
Help is at hand. Legal protection insurance is available to cover your legal expenses in many situations. With this insurance, you have access to a legal advice helpline, where you can phone for information on any type of problem, be it divorce issues, child support, employment contracts, strata rights, wills and estates. Anything. Then, if you decide to pursue a case, the insurance covers your legal costs.
Don’t let high legal fees or lack of necessary information stop you from pursuing your rights. For all the details, call Square One at 1.855.331.6933.
Wondering what people are saying about us? Here are some of the reviews that contribute to our average rating of 4.7 stars out of 5. Want to read more? Visit our reviews page.
Bill called me to complete my quote and was extremely helpful and patient. I wasn't sure what kind of coverage I would need for my vintage musical instruments and we decided on fine arts and collectibles. Bill called me back after we had completed the quote and said he had discussed it with his supervisor and agreed that it could be included under personal property. I appreciated the attention to detail he showed and the fact that once he hung up our first call he was still thinking about how to best help me and personalize my service.
Premiums on my last property insurance company increased. I did some Google searches and Square One kept popping up—and I can see why! From completing an online request and then speaking with 2 separate agents (one for the initial quote and the second to finalize and purchase), I could not have been happier. So pleased with the knowledge, the friendliness, the helpfulness and of course the price. Very simple and efficient to get a good policy and very courteous people
Bought a boat on Sunday night and now you need to add watercraft coverage? Square One has instant policy changes. Based on the ease of service, there's simply no insurance provider I'd recommend over Square One.
I now insure both of my properties with Square One and all of my experiences with them have been great. Their online systems are super easy to use, but then when I have needed to call in with questions or to get help all of their employees are super friendly and very knowledgable and helpful. Definitely will be recommending to friends!
Many thanks to Marilen for helping my mom with home insurance. I really appreciate Marilen's patience and professionalism. In fact, I have no hesitation to send my friends and family to Square One Insurance since I’ve been a policyholder for seven years. I'm truly grateful that they’ve always been there for me—from expertly handling my claim at my Burnaby home to helping me insure a rental/vacation property in the Okanagan. I also love that I have online access to my policies at any time. So easy and convenient! Thank you, Square One!
I am so impressed with my insurance and with the people at Square One. Lily is the most thorough and nicest insurance person I have had the pleasure of dealing with. On top of the fabulous service, Square One saved me over $1200 per year compared to my previous insurance company, with whom I was an upstanding and long-time client. I never thought I would receive the value I received in combination with the great service! Thank you so much, Lily and Square One!
Everything one-click and go, super easy and convenient service! I don’t understand much about insurance, but Square One explains everything online in simple words and that make it easy to understand my policy! Excellent, highly recommended.
This is how an online form should work! Bravo to you folks at Square One! This is some top-shelf 21st century stuff right here. Every single business should take note on how you are making this work. In fact I suggest you sell your platform to other companies so regular working people can process the digital age of technology invading everyday life without getting angry and frustrated and quitting, or wishing we could speak to a real person. This was honestly so easy I want to do it again. Thank you.
Square One makes getting home insurance as easy as can be. The website is super-easy to use and pleasant. Most importantly, it guides you to make the coverage selections you want, with clear explanations, immediately showing you changes to the cost. Would definitely recommend!
We were looking to change insurance companies and decided to do a web search, and came across Square One. We were very reluctant at first because they only offer phone and online services. We spoke to a young lady who was very helpful but we still had issues and questions. A few days later we decided to call again with some of our concerns and spoke to their again amazing representative Adnan.... he went above and beyond to answer our questions and concerns, not to
Find out how affordable personalized home insurance can be in 5 minutes with an online quote. Or call us at 1.855.331.6933 to speak to a licensed agent.