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Below, we have outlined some examples of common legal issues we help our policyholders to resolve. If you need to make a claim, click below to visit the online claims portal.


Employment scenario

The insured contacted ARAG when an ex-employee claimed that they had suffered discrimination on the grounds of religion. The case was high profile and received media attention which led to the insured receiving threatening and offensive correspondence. Our policy provided crisis communication cover which paid the fees of a public relations expert to manage media communication to help them put their side of the story.

As it was not possible to arrive at a settlement with their ex-employee through mediation a claim was filed at employment tribunal. The solicitor appointed by ARAG assessed the chances of winning the case at 60%.

Due to the complexity of the case it was listed for a 4 day hearing. The case was settled in the insured’s favour and the legal costs of £21,000 were paid by ARAG.

Tax Protection

An insured received a letter from HM Revenue & Customs confirming that they had considered the insured’s tax return for the previous year and they intended to undertake a full enquiry. The insured forwarded the details to ARAG who passed the claim onto a specialist tax consultant. After extensive investigation, HM Revenue & Customs confirmed that the insured’s return was in order and they had paid the appropriate tax for the year in question. ARAG settled the tax consultant’s invoice for £6,750.


Our insured runs a small manufacturing business from purpose-built premises on a small industrial estate. Adjacent to the premises is a second-hand car dealership. On numerous occasions, the dealership had been parking stock on our insured's property and obstructing access. Our insured contacted the ARAG legal advice line who advised they had a potential claim. This was passed to a specialist solicitor who successfully pursued the claim. ARAG paid the solicitors costs of £2,300 plus VAT and the stock was moved from the insured’s premises.

Compliance and Regulation

The General Pharmacy Council (GPhC) undertook an unannounced inspection of our insured's pharmacy as a result of concerns about large amounts of codeine linctus being ordered. They were concerned about inadequate monitoring of the risks including failure to identify sales to repeat customers and the potential for patient misuse or addiction. A Fitness to Practice investigation was launched and ARAG appointed solicitors advised that the prospects of avoiding removal from the register as being 80%. The insured had made significant improvements in their procedures over the purchase and sales of codeine. After submissions by solicitors, the GPhC agreed that there had indeed been improvements and decided to take no further action. The insured was delighted.


If you need to make a claim, please click here.

Disclaimer – all information on this website was correct at the time of publishing. All legal advice is based on the laws of England and Wales.