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. |
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
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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. |
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
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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. |
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.
Don't just take our word for it. 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.
If I had known getting tenant's insurance could be so straightforward, affordable, and quick, I would have switched from my old insurer months ago. The specialist I spoke with, David Horgan, was super friendly and nice to talk to. He also was very knowledgable and patiently answered all my questions, and helped my girlfriend and I find the best policy for our needs. He was never pushy and never tried to up-sell me on anything. Overall a great experience and a better insurance policy than my old one for 2/3 of the cost. Thanks Dave, and thanks Square One!
I obtained a quote online from Square One and found the process very easy. The premiums quoted were about 50% lower than what I was paying with my previous insurance company. Getting the new plan setup was a breeze. Loved saving money and going through a hassle-free experience.
We just renewed our insurance in less than 10 minutes! Square One makes it easy to understand what's in the policy we choose, how it affects the monthly premium, and what the exclusions are. Their materials are clear, easy to click through and select, and changes we made from last year's policy to this year's are clearly summarized. Love it! Highly recommend using!
Swati is amazing! We've been experiencing drastic hikes to our home policy over the last few years (with no claims) which is why I reached out to Square One. Swati not only made the process of getting a quote simple, but she was able to offer us better coverage for less than half of what our current policy wants us to renew at. She made the entire process a breeze which is not what one would expect when looking for a new home insurance policy. I wish I would have found out about Square One years ago. Thank you!
The whole process was so easy and straightforward. I was treated like a valued customer, not a potential liability. And their commitment to not using jargon is real! I feel 100% confident in my understanding of my policy: what is covered, what is not, how and when to make a claim (knock on wood I don’t have to). AND it's almost half the cost of my previous insurance policy. Would and will recommend to all my loved ones!
Nothing but the best experiences with Square One. Knowledgeable Staff, so kind and courteous to deal with. Great products, simple user interface. I look forward to using them for our entire real estate portfolio. Great job, way to change the landscape of the industry, keep up the amazing work.
I love that it tailors the policy to your needs. I was able to easily answer questions online to ensure adequate coverage for items like our expensive bicycles and opt for less coverage for things we don’t have like expensive art or jewellery. The best quote I’ve gotten so far, while still ensuring adequate coverage. I signed up. Well done Square One! I’ll be sure to share the good word with my cycling community!
I called Square One because my current insurance provider wanted to charge me $323 a month for insurance on my rental home. It was easy to get started, I had someone I could talk to and everything worked well. I also got a much cheaper policy to cover everything I needed, and I don't think I skimped on any details I might need. Very satisfied.
Forms and four-step process were super smooth! Questions were easy to understand and answer. This is really great compared to other insurance options out there! Your website is super, super friendly and gave me a great guided experience! Good job, guys!
I was terrified in having to find insurance for a condo with a $250k strata deductible as I didn't even know what a strata deductible is... plus we want to rent out this condo short term, (and insurance companies don't cover that), all this was making my head spin. Then I got Birgitta on the phone—calm, smiling, and patient she explained everything and took me through the process. I can not express my gratitude as I was really dreading this task I had. Thank you Square One for being able to cover a complicated case. And Birgitta for helping me understand all without making me feel lost .
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.