In Ontario, there are a few existing and emerging legal insurance and indemnity products available to injury victims. There are loans available to injury victims to assist them financially while they recover form their injuries (litigation loans). Another product is called “legal costs protection” which essentially is insurance providing coverage to injury victims involved in litigation who might face having to pay costs to a successful opponent in the litigation process (costs on motions and conferences for instance). Also, the insurance can protect the client and lawyer against costs resulting from a loss at trial. In Ontario, the successful party is generally presumed entitled to costs from the losing party. Some insurers provide incentives such as no up-front cost of insurance and/or no fee or premium will become …