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E&O Insurance

PRO BONO

Coverage for pro bono professional services depends on your current insurance status as well as on the type of pro bono professional services you provide. Please choose one of the boxes below to read the details.

Private practice lawyers
(i.e. insured by LAWPRO)
 
Exempt lawyers
 

Pro bono coverage summary chart

This chart1 summarizes the coverage you will have based on your current status and the type of pro bono work you are doing.

Type of pro bono work - Professional Services…: Lawyer Insurance Status Implications for Exempt Status Coverage Deductible Claims history levy surcharge Implications for part-time status
Through Pro Bono Law Ontario program approved by LAWPRO2 Currently insured for practice by - 1 -LAWPRO N/A Yes No No These hours &/or past claims related thereto don't affect part-time eligibility
Exempt status None part of $250K3 per claim/ aggregate run-off No N/A N/A
For Not-for-profit organization itself4 (not through Pro Bono Law Ontario) Currently insured for practice by LAWPRO N/A Yes Yes Yes These hours and past claims related thereto will affect part-time eligibility
Exempt status Obtain pre-approval from LAWPRO to maintain exempt status5 None despite LAWPRO pre-approval N/A N/A N/A
Exclusively through clinic within meaning of Legal Services Act, 1998, student legal aid society or Aboriginal legal services corp. funded by Legal Aid Ontario6 Currently insured for practice by LAWPRO N/A Yes, but also subject to coverage under non-LAWPRO policy coverage Yes, but also subject to coverage under non-LAWPRO policy coverage Yes, but also subject to coverage under non-LAWPRO policy coverage These hours and past claims related thereto will affect part-time eligibility
Exempt status None None from LAWPRO, but subject to coverage under non-LAWPRO policy coverage (see footnote 5) N/A N/A N/A

1 Your LAWPRO policy is the contract that specifically and fully describes your coverage. In contrast, the description in this document gives a broad overview of coverages and programs and does not revise or amend a policy or program.
2 In order for LAWPRO to approve a PBLO program, and for your work to be covered, it must involve only legal work: (a) rendered to low income persons in civil matters or in criminal matters for which there is no government obligation to provide counsel; (b) that simplifies the legal process for, or increases the availability and quality of services to, persons of limited means; and/or (c) rendered to charitable, non-profit and public interest organizations with respect to matters or projects to address the needs of low-income and disadvantages individuals.
3 The $250,000 Standard Run-Off Coverage limit is a one-time limit and is not re-instated annually. Increased run-off coverage protection may be available for eligible lawyers who apply to LAWPRO. Lawyers under a temporary leave of absence are provided with the standard practice policy coverage limits.
4 The services must be provided specifically for the organization itself, not for individuals within the organization or its clients. The organization benefiting from the services must be a not-for-profit organization.
5 In the alternative, you may choose to purchase coverage from LAWPRO under the primary insurance program, in which case the normal terms of the policy will apply in terms of deductible, claims history levy surcharges and part time status eligibility.
6 Only applies where the lawyer is NOT directly employed by Legal Aid Ontario, does not engage in the practice of law in Ontario other than for the individuals or communities served by the clinic, student legal aid services society or Aboriginal legal services corporation, and demonstrates proof of coverage under a policy of insurance as described in para. 6 of s. 9(1) of By-law 6 of the Law Society of Upper Canada.

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Key DatesMore

October 31, 2014
Real estate and civil litigation transaction levies and forms are due for the quarter ended September 30, 2014.

November 4, 2014
E-filing deadline: Renewal applications filed online on or before November 4 qualify for a $25 per lawyer e-filing discount applied to the 2015 insurance premium.

November 11, 2014
Renewal Application filing deadline: 2015 LAWPRO renewal applications filed after this date will be subject to a surcharge equal to 30 per cent of the base premium.


 

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