After the Event (ATE)
ATE insurance for plaintiff law firms
Explore After the Event (ATE) insurance for eligible personal injury and medical malpractice claims. Help clients manage specified litigation cost risks.
Talk to our ATE team
What is ATE insurance?
ATE insurance helps eligible plaintiffs manage certain financial risks associated with pursuing legal action, particularly if their case is unsuccessful.
Depending on the policy, coverage may include:
- Disbursements: Case-related expenses, such as expert reports.
- Adverse costs: Legal costs a plaintiff may be ordered to pay to the opposing party.
ATE, explained
Why choose ARAG for ATE insurance?
Civil lawsuits in Canada can cost up to $200,000*, even leaving injured parties to cover expenses themselves. With ARAG's ATE insurance, coverage begins the moment a client signs a contingency fee agreement, and premiums are only paid upon a successful outcome.
Comprehensive coverage
- Accident victims are shielded against the financial risk of unsuccessful legal actions.
- We cover a wide range of outcomes; including abandonments, dismissals, withdrawals, and failing to beat the defendant's last offer.
Easy access to protection
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Coverage begins the moment an accident victim signs a contingency fee agreement with one of ARAG’s network lawyers, requiring no upfront costs for unsuccessful cases.
Diverse case coverage
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We offer coverage for a wide range of case types, including general negligence, occupiers’ liability, motor vehicle accidents, assault and battery, sexual abuse, product liability, short- and long-term disability benefits disputes, and more.
Leading technology: ARAG's gATEway platform
- gATEway gives law firms the autonomy to issue policies immediately, view and manage their portfolio, and submit claims instantly.
- This extension of delegated authority simplifies administrative workflows and gives law firms greater control, from initial application to case closure.
Underwriting excellence
- Our underwriting team, based in Canada, leverages over a decade of industry experience and the largest underwriting data collection in the field.
- With a data-driven approach to risk assessment and local expertise combined with global best practices, ARAG ensures accuracy in pricing and prompt claim payments, establishing stability in the Canadian market.
Dedicated claims support
- Our dedicated bilingual claims team handles all claims in English and French.
- Law firms can easily submit claims through ARAG’s gATEway portal.
