Commercial Legal Expenses Insurance

What to do now:

• 1. Complete our cover request form
• 2. We'll contact you to confirm cover and arrange payment

Why you need commercial legal expenses cover

You insure your business against catastrophes such as fire, flood and theft but are you protected against the threat and often crippling high cost of litigation? In an increasingly litigious and legislated commercial environment, it can be hard to keep up to date with all the changes affecting a business. Few companies can afford the luxury of an in-house lawyer and many do not have dedicated HR personnel specialising in employment law. With commercial legal protection insurance, you get comprehensive cover for your business, with the benefits of legal advice and representation without the financial burden.

Make sure your business is covered

We believe that commercial legal expenses cover is a 'must have' for any business. The low cost of these policies coupled with the wide cover benefits means that these policies make good business sense.

• There were 115,039 tribunal cases last year, an increase of 25% in the previous year's 86,181.
• A successful unfair dismissal claim can cost your business as much as £60,000
• Claims for discrimination have no award maximum. The biggest award for sex discrimination last year was £217,961.
• In 2005/2006 HM Revenue & Customs carried out 32,211 Full Enquiries, 75,830 Aspect Enquiries and collected £1,065 billion in additional tax as a result.

Usual cover

• Cover for legal costs and expenses of up to £100,000
• Employment dispute protection
• Legal defence (including prosecutions from the Health & Safety Executive)
• Tax investigation (up to a limit of £2,000, in respect of aspect enquiries)
• Contractual dispute protection, in respect of the sale or purchase of goods or services
• Property protection and bodily injury, including nuisance and trespass
• Helpline services
• 24 hour 'multi-assistance' legal, tax, business assistance and counselling helplines
• Online employment manual – a comprehensive employment procedures reference guide available to all clients
• Summary of cover
• Policy wording