After The Event Insurance

The most comprehensive protection for your client and your firm against the risks of civil litigation.

After The Event Insurance (ATE) Coverage
  • Protection against costs / disbursements for abandoned, discontinued or dismissed claims
  • Protection against costs associated with trial losses or failures to beat formal offers – without set-offs
  • Premium reduction for small, successful cases
  • Self-insured premium
  • Coverage for interim cost orders
  • Protection for Security for Cost Motions
Policy Limit Options.
  • $100,000 (standard)
  • $200,000
  • Premium reduction for small, successful cases
  • Premium deferred to successful case conclusion (waived if claim made!)
  • Client owned policy
  • S&P A+ Rated Insurer
  • Cover available to current and new business files
  • Delegated Authority program for ease and cost effectiveness
  • 5-minute, online After The Event Insurance (ATE) policy requests
  • No exchange of confidential information required
  • No influence or interference over litigation

Frequently Asked Questions

When does the client have to pay the premium?

The premium is due upon the successful conclusion of the plaintiff’s case. If a claim on the policy is made, the premium is waived in its entirety…no risk.

Who owns the policy?

The Legal Expense Insurance (LEI) policy is owned and paid for by the plaintiff at the time of settlement.

Cover can be provided for a wide range of personal injury cases including, but not limited to:

  • Auto accidents
  • Slip/Fall cases
  • Occupiers’ liability
  • Long Term disability
  • Short Term disability
  • Dog Bites
When does the insurance cover commence?

For your existing portfolio, the cover is applied retroactively to your Contingency Fee Agreement with the client. For your new files, the cover is applied effective the date of the Certificate of Insurance.

How does our firm get access to an After The Event Insurance (ATE) program by Redress?

Contact us to begin your application for a firm-wide Delegated Authority Program, which allows you to bind any of your eligible personal injury cases. The application is simple and should only take 20 minutes of your time.

Can I insure my existing cases?

Redress offers a one-time opportunity to enroll your eligible existing clients when you first sign up with us.

What happens if the case settles for significantly less than anticipated?

Only Redress recognizes that some cases, for whatever reason, just do not amount to much. In this circumstance, for cases which settle under $25,000.00, Redress will reduce the premium owing.

Is the premium self-insured?

Yes. This means that no premium is payable in the event the case is lost or discontinued. There is no deduction from the level of insurance cover in place to pay the insurance premium.

What is covered?

Redress After The Event Insurance (ATE) provides cover to your clients for any adverse costs, own disbursements, and failure to beat a With Prejudice Offer.

Are our lawyer fees covered by the insurance?

No, this would conflict with your Contingency Fee Agreement (CFA). However, the policy premium ranks behind your legal fees.

What level of insurance cover can be obtained?

The standard cover is $100k, which is generally sufficient for the vast majority of cases.  If you believe that your case requires further coverage, we have other levels available.

Who are the insurers?

Redress Legal Expense Insurance (LEI) is exclusively underwritten by US – “we have the pen”. The coverage is provided by Arch Insurance Canada Ltd., an A+ rating (outlook stable) from S&P and A+ (outlook developing) from AM Best. For more information, visit: Arch Insurance Canada Ltd.

How Easy is it to Apply for the After the Event Insurance policies?

Applying for Legal Expense Insurance (LEI) couldn’t be easier. Simply log on to our app and fill in the short form. The application should only take you about 3 minutes to complete. Once submitted, you will receive an email and the Insurance certificate within 24 hours.

Why is the individual file information under a delegated authority facility so limited?

Redress underwrites the firm, to whom we give delegated authority facility and follows their expert advice on the case. We recognize that the lawyer is also taking their own risk (under a CFA) on the case, and so we are prepared to follow their advice.

Do we need to provide a set number of cases per annum?

We set out the firm expectations at the outset so there is 100% clarity.    We typically require a minimum number of cases annually to be insured to avoid selective coverage.

Are you ready to get started?