You’re covered.

PrimeGuard Agri-Legal Expense Insurance

Are your labour practices up to the legal standards? Would you know what to do or who to turn to if your agribusiness faced a wrongful dismissal suit or if a client or supplier refused to honour a contract? The cost, complexity and stress of the legal system often deter agribusiness owners from pursuing their rights. That is why McFarlan Rowlands partnered with DAS to protect you with a PrimeGuard Agri-Legal Expense Insurance policy so that you can focus on what matters most- managing and growing your agribusiness.

DAS is Canada’s only specialty legal expense insurer. With a PrimeGuard Agri-Legal Expense Insurance policy, you have:

  • Unlimited access to general legal advice and guidance
  • An enhanced ability to defend or pursue your legal rights
  • Access to specialized legal expertise within some of Canada’s most prominent panel law firms

It’s like having a lawyer on retainer! How are you covered? With PrimeGuard Agri-Legal Expense Insurance you can protect your business, your family and your vehicles with the following coverages:

Features What does PrimeGuard Agri-Legal Expense Insurance Cover?
Disputes Employment
  • If you face legal issues relating to employment

Contract

  • If you face a dispute relating to obtaining services, selling or buying goods from merchants, service providers and contractors

  • If you are involved in a dispute with the landlord of your commercial premise

Legal issues relating to your vehicle

  • If you are facing problems with the buyer or the seller of an insured vehicle, with the garage where it was repaired, or with a lessor

Total loss valuation

  • If you wish to contest the estimated value of your vehicle following an accident because you are not satisfied with the estimated value
Protection Criminal prosecution
  • If you or your employee(s) are being prosecuted for an offence arising from your work or if your business faces an occupational health and safety investigation

Complex government legislation and regulation

  • If you fail to comply with privacy legislation, want to appeal a statutory notice affecting your business or want to respond to a Notice for Production under the Federal Anti-Spam Legislation

Statutory licence

  • If your business faces a suspension, alteration or cancellation of its business licence

Tax

  • If you wish to appeal a decision from the Canada Revenue Agency, or if you are facing an audit

Property

  • If you are experiencing legal nuisances or trespass, or if someone caused physical damage to your property

Bodily injury

  • If someone caused you or your family bodily injury and you wish to take action against them
Defence Legal defence (offence in connection with the ownership, use or operation of a vehicle)
  • If one of your drivers is prosecuted for an offence on the road, such as failing to have a logbook or for failing to display the correct signage on a vehicle

Highway traffic

  • If you are being prosecuted for a highway traffic offence, or your driver's licence has been suspended or revoked
Legal Advice UNLIMITED access to general legal advice
  • Advice and guidance are just a phone call away! You will always receive general legal advice, even if your issue is not covered by the policy

PrimeGuard Agri-Legal Expense Insurance in action

Here are some potentially costly legal situations that you can face:

The Tragic Farm Accident

The Difficult Neighbour 

  • A neighbour installed a fence that crossed over onto a Ryan’s farm. Ryan tried to reason with the neighbour, but the neighbour refused to remove the fence from his property. DAS immediately appointed a lawyer who contacted the neighbour and was able to negotiate a reasonable settlement. In the end, the fence was moved off of Ryan’s property.  It would have cost him $7,300 in legal fees, if he was not a DAS policyholder.

The Unreliable Contractor 

  • Sheila was involved in a dispute over the quality of work done by a contractor engaged to pour a concrete foundation for new utility buildings on the farm. Sheila was seeking $2,000 in damages as a result of delays and cost overruns to fix the foundation; which the contractor refused to pay.  After calling the legal advice helpline, DAS appointed a lawyer who represented Sheila’s business all the way through to the hearing in the small claims court. The judge awarded Sheila the $2,000.  If Sheila did not have a DAS policy, she would have paid out-of-pocket about $9,000 in legal and disbursement fees.

Get coverage today! Simply contact us at McFarlan Rowlands to learn more about the PrimeGuard Agri-Legal Expense Insurance coverage.

 

McFarlan Rowlands has 14 Locations Across Ontario.

Office hours are Monday to Friday 8:30 AM until 5:00 PM unless otherwise noted.

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