Excess Program Renewal Now Open

The CLIA Voluntary Excess Program Renewal is now open! As a lawyer in a CLIA Subscribing jurisdiction, you have:

• Mandatory Errors and Omissions (E & O) insurance with a limit of $1M per claim and a $2M annual aggregate limit; and

• Mandatory Cyber insurance ranging from $100K to $250K for various common cyber claims. See our Cyber Insurance Overview information to better understand your mandatory coverage.

CLIA’s Voluntary Excess Program (VEP) provides the option of additional coverage limits of up to $34M per claim, with a $34M annual aggregate. Other coverage options include limits of $1 million, $2 million, $3 million, $4 million, $6.5 million, $9 million, $14 million, $19 million, $24 million and $29 million, in excess of a $1 million base.

In addition, CLIA continues to offer a stand-alone cyber insurance product with higher limits than the cyber coverage we offer with the mandatory insurance. The stand-alone cyber insurance can be purchased in conjunction with the excess liability coverage or on its own.

Want to know more about whether you need excess insurance? Need more information about our limits and coverage scope? See the FAQs provided on our website. Still have questions? Contact us at service@clia.ca.

Avoid a lapse in coverage by renewing by June 30th. A lapse in coverage can leave the firm unprotected against claims arising during the gap period, potentially resulting in significant financial liability. CLIA does not offer a grace period for late renewals, so it is crucial to renew your policy before it expires to maintain continuous coverage.

How do I apply?

Existing Customers

• The renewal period remains open until the end of June each year.

• Pricing may vary annually—request a quote before applying.

• Sign in to your account to access the pre-populated application form. Please update any information as needed.

New Customers

• Submit applications until the end of July. Applications submitted after this period will be prorated (note that cyber coverage cannot be prorated).

• Request a quote before applying.

• Create an account to access the application form when you're ready.

Visit the Excess Insurance section of the CLIA website to get a quote and apply.

What information should I gather before applying?

Collect the following:

• Details on disciplinary proceedings or disbarments involving firm lawyers.

• Claims reported in the last 12 months (for renewals) or last five years (for new applications).

• Knowledge of potential claim circumstances not yet reported.