Run-Off coverage and exemption from premiums
What coverage do I have when I am retired?
Run-Off coverage applies only to claims arising out of professional services provided while you were in private practice or maintained the full ongoing practice coverage.
Run-Off coverage does not provide coverage for claims arising out of professional services that you provide while exempt from paying the insurance premium. The only exceptions to this are with respect to pro bono services provided through a LAWPRO approved Pro Bono Ontario program, and where you have applied for and purchased additional coverage specifically for certain ongoing services as estate trustee, trustee for inter vivos trust or attorney for property.
Do I have to buy additional Run-Off coverage through LAWPRO or can I buy it elsewhere?
I’ve decided to increase my Run-Off coverage limit to $500,000 for five years. Is the $250,000 Run-Off coverage still there for me after five years, even if LAWPRO pays out more than $250,000 in claims between then and now?
I am retired but occasionally provide professional services to my family and friends. Am I covered under my Run-Off Coverage or do I have to buy insurance coverage?
Being exempt from premiums
I am an in-house corporate counsel for an organization. Am I exempt from having to pay the insurance premium?
Among the criteria that LAWPRO would consider in determining if you are eligible for an exemption are:
- whether or not you work a fixed number of hours
- whether you are compensated on a fee-for-service or fixed amount basis
- whether or not you are provided an office in the place of employment
Generally, contract employees who work on a fee-for-service basis and/or work irregular hours are not eligible for exemption. Please contact LAWPRO for assistance in determining your eligibility.
I am an employed lawyer in a law firm but do only legal research. Do I qualify for an exemption?
Most lawyers who provide research services give opinions that are subsequently provided to clients of the firm. These lawyers are considered to be practising law and are required to pay the insurance premium.
As an exempt lawyer do I have coverage for any pro bono work that I do?
See our page on providing pro bono professional services for more information.
I act as in-house counsel and therefore am claiming exemption. My employer now wishes me to provide legal advice to the company’s clients. Can I maintain my exemption?
You may qualify for the Part-Time Practice Option, at a 50% premium discount. As corporate counsel, these criteria would apply only to the professional services you provide to unrelated third parties. If you are currently on exemption and wish to apply for practice coverage please complete a New Applicant Application form.