Expert cover for your business' legal expenses, including tax investigations and property disputes.Start your quote
Expert cover for your business’ legal expenses up to £100,000 in any one claim for costs incurred in the course of defending a claim. Protect your business from as little as £75.00 a year with our Legal Expenses insurance.Start your quote
Also known as legal expenses and tax investigation insurance, this policy will provide you with up to £100,000 of cover for legal representation costs incurred in the event of your business needing to defend against a claim or to cover the costs of a tax investigation or other proceeding.
In an increasingly litigious society it is important to ensure your business is fully protected should a claim be made against you.
Legal expenses insurance will provide cover for legal representation where your professional indemnity insurance, your public liability policy, and your employers’ liability coverage might not respond to provide you with the cover you need.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
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Our legal expenses insurance is beneficial to all business owners who require that extra level of protection that isn’t provided by an indemnity or liability policy. The LEI policy is particularly beneficial to contractors who are concerned about IR35 tax investigations, as the policy will respond to provide cover for legal costs incurred by a tax investigation.
The policy will also cover loss of earnings and expenses for self-employed professionals should they be called-up for jury service.
The legal expenses insurance policy starts from £75.00 per annum, which we think represents good value for money considering the level of cover and peace of mind that you receive.
Legal expenses insurance offers cover for disputes and claims that professional indemnity and liabilities insurance policies do not cover, including:
• ACAS early conciliation
• Employment tribunals response
• Pre-hearing review/Employment status disputes
• Employment tribunal hearing
• County or High Court proceedings
Employment compensation awards
• Awards of compensation
• Settlement of a dispute
• Tribunal fees
Property and landlord and tenant disputes
• Property disputes
• Disputes with your landlord
• Disputes with your tenant
• Interview under caution
• Prosecution defence
• Motor offences
• Aspect enquiry
• Full enquiry, including IR35 tax investigation
• National Insurance and PAYE disputes
• Current tax year enquiry
• VAT disputes
• Enforcement notice
• Statutory licence appeals
• Data protection defence
• Data protection compensation
Court attendance costs
• Jury service
• Witness attendance allowance
Employment extra protection
• Pension trustee defence
• Wrongful arrest
• Personal injury
• Discrimination defence
• Unauthorised use of your personal data
• Contracts entered into by a third party, in your name or on your behalf, without your permission
• Contracts for goods and services
• Contracts for construction and repairs
Some of these issues can leave you with significant costs to pay if you are not insured.
The legal expenses insurance policy will not cover the following:
• Claims where there is no reasonable prospect of success.
• Any costs incurred to us agreeing to them being incurred.
• Pre-existing circumstances.
• Your failure to reinstate an employee if ordered to by an employment tribunal.
The legal expenses insurance policy also offers you a contract review, which is only available when purchased with the Legal Expenses insurance policy. If you are in any doubt as to the validity of your contract, especially in light of private sector IR35 legislation, a contact review might help.
The contract review will provide you with a clear explanation of your status in the eyes of the HMRC.
Professional indemnity insurance (PI) will provide cover for business professionals who provide business services, advice or designs to clients and will cover against claims of negligent work.
Public liability insurance (PL) is designed to protect your business against third party claims for injuries or property damage.
Employers liability insurance (EL) will cover the cost of defending or settling a claim against you from an employee who has suffered injury or disease as a result of the work they do for you.
It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance, which is provided as part of our Business Combined Liabilities insurance product.
Cyber insurance, also known as cyber liability insurance, will cover your business in the event of a malicious attack on your computer systems and your data.
Personal accident insurance can provide cover for your loss of earnings while you are unable to work due to a work-related accident or illness caused by your work.
Commercial crime insurance can be beneficial to anyone who ones or runs a business, no matter how large that business is. Theft and other crime can have catastrophic consequences for a business and potentially to those who are connected to that business, such as suppliers and employees.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch