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Premiums, Payments and Refunds

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About premiums

The amount owed on the invoice I received is different than the amount shown on my Declarations page. Which amount is the correct one?

Both amounts are correct, however, the amount shown on the Declarations page does not include PST. The full amount that should be remitted to LAWPRO (i.e., premium plus PST) is reflected on the premium invoice.

Is there an early payment discount?

If coverage is renewed and annual premiums are paid in full, by cheque or pre-authorized banking information by the early payment deadline you are entitled to claim the early payment discount indicated on your invoice.

Why was a Late Application or No Application Surcharge applied to my account?

The Late or No Application Surcharge is applied when a completed application is not received by the specified deadline. These surcharges are authorized by Convocation pursuant to Rule 50 of section 62(1) of the Law Society Act, R.S.O. 1990, c. L. 8.

Lawyers who do not file an application for coverage by the deadline are required to pay an increased premium as they represent a higher risk. In fact, as a group, those who file late or not at all are more than twice as likely to have a claim reported than lawyers who do file in a timely way

How much HST is payable on my annual LAWPRO insurance premiums?

There is no HST payable on your insurance premiums, however, the eight per cent PST is applicable.

About payments

Where can I get a copy of my Declarations page?

You can access your invoice and Declarations page on My LAWPRO. Click on Primary Policy Documents and choose the applicable year.

Due to a bank error, my premium payment for last month was not processed. How can I rectify this?

Send explicit written instructions to [email protected] to either re-run the payment using the existing credit card or banking information that LAWPRO has on file, or provide LAWPRO with alternate payment instructions. Please do not email a full credit card number.

How do I change my payment instalment option from lump sum to monthly payments?

Payment by instalments is only available through automated payments with a valid credit card or chequing account.

1. File a Premium Payment Authorization for a new credit card or chequing account.
2. Change your payment information or instalment payment by emailing [email protected] at least ten days prior to any payment date.

How do I change payment information?

Complete the Update Payment form to instantly change your credit card information on record, or complete and return a Premium Payment Authorization form. If changes are to be made to the payment information or instalment payment option, advise us in writing at [email protected] at least 10 days prior to any payment date.

A third party is paying my premiums using a credit card. Do they need to fill out a special form?

If the credit card is owned by a third party, other than another lawyer or paralegal partner or shareholder in the law firm, the law firm itself, or a management or other company of the law firm, you must obtain the consent of the third party authorizing the transaction and have them complete this form.

A third party includes the spouse of the applicant lawyer or the spouse of another lawyer in the firm; a non-lawyer employee of the law firm; or any other third party. This third party authorization will apply to future policy years, unless LAWPRO is advised in writing otherwise.

If you are a lawyer and would like to submit a payment authorization for your premium or the premium of another lawyer who is a member of your law firm, please do not use this form, but sign-in to My LAWPRO to make a payment.

About refunds

If I file an Application for Exemption today, how far back can I get a prorated refund?

Refunds are not issued further back than 30 days, as you had the benefit of the full limit coverage in place to respond to claims that may have been made against you during that period.

Appreciating that it may take some time for you to complete and file your Application for Exemption form, a prorated refund can be issued for up to the 30-day period immediately before LAWPRO’s receipt of your Exemption form.

Any return of premiums is made payable to the original payor, unless otherwise requested by you and the original payor in writing. For those carrying the Real Estate Practice Coverage Option, we are not able to backdate for this 30-day period.

Land Acknowledgement

The offices of LAWPRO are located on the traditional territory of many nations including the Mississaugas of the Credit, Anishnabeg, Chippewa, Haudenosaunee and Wendat peoples. Toronto is covered by Treaty 13 with the Mississaugas of the Credit. LAWPRO respects and acknowledges the histories, languages, knowledge systems, and cultures of First Nations, Metis, and Inuit nations.

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