LIANS / NSBS is a subscribing member of the Canadian Lawyers Insurance Association (CLIA), a reciprocal insurance exchange established in 1988. CLIA provides long-term professional liability insurance solutions for the legal profession in many Canadian jurisdictions.
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 CLIA’s Cyber Insurance Overview information to better understand your mandatory coverage.
Additional or excess insurance is also available through CLIA’s Voluntary Excess Program (VEP).
Excess insurance is optional coverage that law firms can purchase as additional protection beyond the coverage required by the law society. CLIA’s VEP offers the flexibility of additional coverage limits extending up to $35M per claim with an annual aggregate limit of $35M. Coverage options under the VEP include limits of $1M, $2M, $3M, $4M, $6.5M, $9M, $14M, $19M, $24M, $29M, and $34M, in excess of the $1M 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. See Cyber Insurance Overview materials for more information.
In addition, see CLIA’s website for helpful information FAQs to better understand the VEP.
The online application to apply for Excess Insurance products opened on May 5, 2025 – visit the Excess insurance section of the CLIA website.
This letter provides further information on the program and the application process: CLIA VEP Excess Insurance Letter 2025
If you have any questions, please contact CLIA at service@clia.ca.