Business insurance policy review
A review of a business's policies for gaps, exclusions and contract insurance requirements.
What is included
- Reviews your policies against your business or property risks
- Points out gaps, exclusions and conditions that often lead to denied claims
- Reviews what you asked your broker or agent for and what was arranged
- Advises on a claim against a broker or agent who did not arrange the coverage you asked for
What is not included
- Court filing fees, reports and other disbursements
- Appeals or later stages beyond the scope in the lawyer's written retainer
- Claims against other people or companies unless added to the retainer
- Fees of appraisers, adjusters, contractors or engineers you hire
Who this service is for
- Business owners renewing or changing their insurance
- People denied a claim because coverage they asked for was never arranged
- Owners of rental, commercial or farm property
Information to have ready
- 1Current policies and renewal documents
- 2Applications, emails and notes exchanged with your broker or agent
- 3Any denial letter from the insurer
- 4A description of your business operations or property
How a referral works
- 1Tell us in a few words what the matter is about, and who else is involved, so we can check for a conflict of interest.
- 2We recommend an Ontario lawyer for your matter, and at least one other you could choose instead.
- 3The lawyer runs their own conflict check, confirms the scope and quotes the fee, normally in a written retainer agreement.
- 4You pay the lawyer's fee to the lawyer. Any referral fee comes out of it, is disclosed to you in writing, and never increases what you pay.
NEO Legal Services Professional Corporation is a licensed paralegal firm, not a law firm. Every step of a referral, and your rights
Frequently asked questions
What does the lawyer charge?
A typical Ontario fee for this service is $1,000–$4,000, plus HST. The lawyer quotes the actual fee before any work starts. You pay the lawyer directly; the referral itself costs you nothing.
Can I sue my broker if my claim is denied?
Sometimes. A broker or agent who fails to arrange the coverage you asked for, or to warn you of a clear gap, may be responsible. It depends on what was asked, said and documented.
When should I have my policies reviewed?
Before renewal or when your business, property or contracts change. Gaps are much easier to fix before a loss than after one.
General information only, not legal advice. NEO Legal Services Professional Corporation is a licensed paralegal firm regulated by the Law Society of Ontario.
Important limitations
- No outcome can be guaranteed
- Limitation periods keep running during a referral, so act promptly
- The lawyer confirms the scope, fee and steps in a written retainer before starting
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