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E&O Insurance >Practice Type >Private practice

Private practice

The base program


Required for all SOLE PRACTITIONER(S), LAWYERS practising in association or partnership, and LAWYERS practising in a LAW CORPORATION, who are providing services in private practice.

Available to LAWYERS on exemption (e.g. retired LAWYERS, in-house corporate counsel, government LAWYERS, educators and LAWYERS not in private practice) who opt to purchase the base program coverage. Also available to non-lawyer partners in a MULTI-DISCIPLINE AND/OR COMBINED LICENSEE PARTNERSHIPS.

LAWYERS who qualify and apply for the temporary leave of absence exemption are not required to pay the insurance premium. For detailed information on the criteria that apply to LAWYERS on temporary leave of absence, see Exemption Eligibility


Maximum of $1 million per claim/$2 million in the aggregate coverage for CLAIMS brought against you, as defined in the LAWPRO® Policy.


Standard DEDUCTIBLE is $5,000 per claim, applicable to claim expenses, indemnity payments and/or costs of repairs together.


  • DEDUCTIBLE(s) ranging from $NIL to $25,000 (some restrictions apply) are available.
  • DEDUCTIBLE(s) can apply to both claim expenses and indemnity payments, or to indemnity payments only.
  • Premiums depend on the DEDUCTIBLE option selected.

For details see DEDUCTIBLE options.


Base premium for 2017 is $2,950 per insured LAWYER, plus any Real Estate and/or Civil Litigation Transaction Levy Surcharges which are applied as premiums. LAWYERS who do not practise real estate or litigation law can annually exempt themselves from filing the Real Estate and/or Civil Litigation Levy Surcharges quarterly forms.

For details see:

Mandatory Innocent Party Coverage

(Associations, Partnerships and LAW CORPORATIONS)

If you are practising in an association, partnership (including general, MULTI-DISCIPLINE PARTNERSHIP and/or COMBINED LICENSEE FIRM and LLP partnerships) or a LAW CORPORATION (with more than one LAWYER), you must purchase the minimum Mandatory Innocent Party Coverage, which protects members of the public - and thereby you - against the dishonest, fraudulent, criminal, or malicious acts or omissions of present or former LAWYER partners, associates, and employees of the firm.

For details see Innocent Party Insurance

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Key DatesMore

January 31, 2018
Real estate and civil litigation transaction levies and forms are due for the quarter ended December 31, 2017.

February 6, 2018
Lump sum payment of 2018 premium by cheque or pre-authorized bank account withdrawal received on or before this date are eligible for a $50 (per lawyer) early payment discount on the 2018 policy premium (see the 2018 Program Guide for details).


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