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What type of business is commercial legal expenses insurance suitable for?

This type of policy is designed to meet the needs of SME businesses which may employ staff but who have limited, or no in-house legal expertise.

 

How can commercial legal expenses insurance help my business?

It’s designed to help you get legal advice as early as possible – before a problem arises such as an employment tribunal or commercial contract dispute – through the telephone legal advice and risk management helpline, or legal document and business guide service, ARAG Businesslaw.

However, should a more serious legal problem occur, it will provide cover for legal representation and cover for legal expenses if you need to take the matter to court.

 

What will commercial legal expenses insurance pay for? 

Dependant on the policy you have, commercial legal expenses insurance may pay for: 

  • A dispute with an employee that cannot be resolved;

  • A notice of an enquiry into the tax or VAT returns of the business;

  • Where legal advice is needed quickly;

  • A Health & Safety inspection ends with a threat to prosecute the business;

  • A neighbouring business restricts access to the premises;

  • Help navigate and resolve contract disputes;

 

Plus:

  • An appointed lawyer’s legal fees; 

  • Court fees; 

  • Expert witness costs; 

  • The other side’s costs if you are unsuccessful; 

  • Certain compensation awards you are ordered to pay. 

 

If you are interested in purchasing commercial legal expenses insurance speak to your insurance adviser.


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