Risk & Business Magazine McFarlan Rowlands Fall 2015

R & Exclusive Legal Expense Insurance B Tailored to Your Agribusiness DAS Canada and McFarlan Rowlands Insurance Brokers Inc. have partnered to offer a PrimeGuard Agri-Legal Expense Insurance policy that gives you access to the legal resources you need and covers legal costs so you can focus on what matters most - managing and growing your farm. A s an agribusiness owner, it is essential that you are aware of the legal risks that you face on a daily basis. Regulations and Acts enforced in Canada such as the Agriculture and Agri-Food Canada (AAFC) and the Canadian Food Inspection Agency (CFIA) ensure that you can focus on providing safe, high-quality food and jobs for Canadians. 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 and defending their rights. With PrimeGuard Agri-Legal Expense Insurance you can protect your business, your family and your vehicles. Put yourself in this farmer’s shoes. An employee is tragically killed during a mechanical accident on the farm and the ministry of labour is now conducting an investigation of you and your field supervisor. DAS immediately appoints a lawyer to defend you and your employee during the investigation and if necessary, against potential criminal negligence causing death. This is an extremely complicated matter, during an emotional time for you and your employees. With the help of the DAS assigned lawyer, no charges are laid. As a PrimeGuard Agri-Legal Expense Insurance policyholder, you saved in excess of $100,000 in legal fees. Advice and legal guidance are just a toll-free call away. Canadian farming practices will continue to evolve, making it pertinent for agribusiness owners to get the legal coverage that they need to progress. With a PrimeGuard Agri-Legal Expense Insurance policy 1, you have unlimited access to legal advice and guidance, plus the ability to defend or pursue your rights. DAS is Canada’s only specialty legal expense insurer. With a PrimeGuard Agri-Legal Expense Insurance policy, you have: 1 Legal Expense Insurance is underwritten and administered by DAS Legal Protection Insurance Company Limited. Coverage is subject to the terms, conditions, and exclusions of the policy. • 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! TM RISK & BUSINESS MAGAZINETM FALL 2015 3

Risk & Business Magazine McFarlan Rowlands Fall 2015 | Page 3