Tax enquiry and legal expenses insurance and contract review

Peace of mind you’re covered in the event of a claim

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Business insurance protection for legal costs incurred in the event of a claim

Legal Expenses insurance is a little-known insurance policy that will provide cover for legal costs that are not covered under an indemnity or liability policy.

The policy provides up to £100,0000 of cover, in any one claim, for legal costs incurred in the event of a claim.

The policy costs just £75.00 per year, which we think is great value.

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Covered so you can work worry-free

Insurance protection for a broad range of instances where legal costs are incurred.

Legal Expenses insurance will provide cover for:

  • Tax protection, including IR35 investigations
  • Contract disputes
  • Regulatory compliance
  • Court attendance costs, including jury service expenses
  • Identity theft
  • Employment disputes and compensation awards
  • Employment extra protection
  • Property, landlord and tenant disputes
  • Criminal defence costs

You can also purchase a contract review at a reduced cost of £60 per contract, when bought with the legal expenses insurance policy. Click to start your quote and to purchase cover.

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Insurance protection that fits your profession

Get a quick online quote for your legal expenses insurance today.

The legal expenses insurance policy costs just £75.00 per year, which we think is great value. Is it really worth missing out on?

Click to start your quote and to purchase cover.

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Business insurance experts for more than 25 years

Caunce O’Hara have been insuring business professionals since 1995.

The Caunce O’Hara Legal Expenses insurance policy not only offers discounted contract reviews, but it also provides access to a wealth of business resources in the Markel Law Hub.

Law Hub benefits at a glance

  • 800+ DIY legal resources including contracts, policies, forms, and letter templates from Markel’s solicitors.
  • Free legal updates, templates, guidance documents, checklists, and useful links.
  • 460+ straight-forward guides.
  • 350+ links to key resources.
  • Up-to-date information on new legislation and case-law.
  • Live Chat available Monday to Friday 09:00 – 17:00.
  • 24hr legal helpline.

Click to start your quote and to purchase cover.

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Business insurance protection for freelancers, contractors and small businesses

Choose from our range of insurance protection products below. Simply click for a quick online quote.

For self-employed professionals

Professional indemnity insurance

Protects against claims of alleged negligence in your professional services, advice and designs.

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For self-employed professionals

Public liability insurance

Protects against injuring a member of the public or damaging their property. Click to build a quote online in minutes.

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For self-employed business owners

Employers’ liability insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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For self-employed professionals

Legal expenses insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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For self-employed professionals

Personal accident insurance

Cover for work injuries, illnesses caused by work and compensation awards.

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For self-employed professionals

Commercial crime insurance

Protection for losses from fraud, dishonesty, theft, bribery, forgery, and loss investigations.

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Benefits of Caunce O’Hara business insurance

There are many benefits for freelancers, contractors and self-employed business owners, including:

1
Insurance that gives you peace of mind you are covered.
2
Immediate cover available, with documents issued via email in minutes!
3
Trusted insurance broker.
4
Cover for legal defence costs and compensation bills arising from a claim.

Customer Reviews

We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com.

Excellent Service every year for this company.
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Dealing with Caunce O'Hara is very easy, either on line or via telephone.
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Good service - rapid response - easy process.
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Frequently asked business insurance questions

Find out more about our business insurance products here.

Contractors who are concerned about IR35 can arguably find the most benefit from the legal expenses policy. However, freelancers, contractors and self-employed professionals from all sectors can find value in the cover the policy offers. Landlords and tenants alike can also benefit from the cover provided.

If you are unsure if you need professional indemnity insurance, we have listed a few examples of instances when it is advisable to be insured:
▪ You provide an expert service to your clients
▪ You provide consultancy and advice to your clients
▪ You handle personal information and data for your clients
▪ Your professional membership body insists you carry it
▪ Your client insists that you have it

The level of protection you need will depend on the value of the work you do and the potential liability. Caunce O’Hara can help you build the ideal insurance policy that will help protect all areas of your business.
Available limits of indemnity range from £50,000 up to £5,000,000 per annum.

▪ Legal expenses – Should a claim be made against you the policy will provide cover to help with the cost of legal proceedings.
▪ Cost of repairs – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
▪ Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
▪ Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.

Employers Liability cover is required by law for most businesses. You will need it if:
▪ You deduct Income Tax and National Insurance Contributions from the money you pay your employees.
▪ You have control over where and when your employees work.
▪ You have the right to claim profit made by your employees.
▪ You provide the equipment and materials your employees use.
▪ You need them to perform the job you employ them for, and if the employee is unable to provide a substitute if they are unable to work.
▪ You have part-time or temporary employees.