Adverse Cost Insurance in Ontario Personal Injury Cases – Ottawa Accident Lawyer Discusses pros and Cons In Ontario, and throughout Canada a new type of insurance has become available to injury victims. The insurance is called “adverse cost insurance”. What does it mean to ensure against the cost of legal services or to protect against adverse costs decisions? This relatively new insurance product in Ontario offers some protection to injury victims. The insurance is offered through various brokers. This insurance is a means by which to increase access to justice for injury victims in Ontario. There are two main disadvantages of obtaining this insurance. One relates to the cost of the insurance – it is an out of pocket expense – although some insurers do not require the …