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Why is commercial legal expenses a must have insurance cover?

 

It’s always challenging running a business, from keeping up with the latest legislation to resolving problems with suppliers or receiving an unexpected visit from the taxman. Legal problems can arise suddenly and prove expensive and time-consuming to deal with.

We have a range of commercial legal expenses policies to suit every size and shape of business, as well as our bespoke commercial scheme options. To discuss any of these options contact us by clicking here or join our Live Chat by clicking the yellow icon on the bottom right of the web page.

 
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We can help with the following legal issues:

Employment disputes & compensation

If you have a dispute with
an employee it can be stressful, time-consuming and very costly to both your finances and reputation. We will pay the legal costs of defending your business if an employee brings a claim against you provided that there is a reasonable prospect of your defence being successful. We will also pay compensation awarded against you.

Tax disputes

No business welcomes an unexpected visit from the
taxman and any investigation by HMRC can be lengthy and expensive. Our tax advisors will represent your business if you are investigated or where a dispute arises following a compliance check by HMRC.

Legal defence

All businesses operate within a complicated framework
of legislation. Our business legal services website can
help you to remain compliant but if things go wrong we will pay the legal costs to defend your business throughout a criminal investigation or prosecution,
including motoring offences.

Property

Your premises are vital to the smooth running of your business. Nuisance, trespass or damage to your property by
another party could put a substantial strain on your ability to operate effectively. The insurer will pay legal costs to protect your rights and claim compensation if necessary.

 

Property legal dispute scenario

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 Lawyer 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.

 
 
 

Employment legal dispute 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 Lawyer 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.

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Day One Benefits


With most insurance policies, if you don’t make a claim then you don’t get any real benefit from them. Our Legal Expenses Insurance is different, it offers a wraparound legal service from day one. There are benefits your customer can access straight away, to help them manage and minimise any legal risks to their business.

 
Legal and Tax Advice
Legal & Tax Advice


You can call our legal advice helpline and get immediate advice about legal matters 24 hours a day, 365 days a year. You can also obtain tax-related advice from our tax helpline, available between 9am and 5pm on weekdays (except bank holidays). Your query will be dealt with by a qualified specialist who is experienced in handling legal and tax-related matters.

 
Legal Documents
Legal Documents


Our legal services website can help your business by supplying a wide range of useful tools, from a comprehensive range of legal guides and templates on subjects such as employment and Health & Safety that you can tailor to your business. You can also access videos and claims examples to show you how our covers work and how to make a claim.

 

Frequently asked questions about Commercial Legal Expenses insurance

 

News & Press

Please click here to be directed to our Product Oversight and Governance pages

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