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If you have questions that are not answered below, or if need further clarification or information, please contact LAWPRO®'s customer service department toll-free at 1-800-410-1013, 416-598-5899 or at service@lawpro.ca.
 I am retired from private practice. What insurance coverage do I have?
As a retired LAWYER who is exempt from purchasing the standard insurance coverage, you would be provided with a reduced
coverage limit of $250,000 per CLAIM and in the aggregate limits of liability, subject to a $5,000 DEDUCTIBLE per CLAIM, and
subject to any prior claims reported while exempt under the
Rules for Exemption Eligibility. This coverage is a
one-time limit and is not re-instated annually. 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.
That is, you are covered to a maximum of $250,000 for all of the claims made against you while exempt, including the year you
leave active private practice, past years in which you were exempt, and all future years while exempt (except for LAWYERS eligible
for the mobility exemption).
Run-Off Coverage does not provide coverage for claims arising out of professional services
that you provide while exempt from paying the insurance premium.
In other words, you are not covered for ANY services you currently provide. The only exceptions to this are with
respect to PRO BONO SERVICES provided through an approved pro bono program associated
with Pro Bono Law Ontario, 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.
Ontario LAWYERS who have been granted an exemption may apply to increase their Run-Off Coverage limits.
For further details, we would refer to the
Insurance Matters for Retired LAWYERS booklet which provides more detail regarding the Run-Off Coverage available under
the Law Society's program, as well as some of the types of questions you may wish to consider in assessing what exposures may
arise out of your past practice.
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