Legal protection insurance


Legal protection insurance provides peace of mind for those unexpected times when your business faces misunderstandings, disagreements or dissatisfied customers and result in legal action.

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Legal protection insurance explained


Whether it’s an employment dispute, damage to property, contract issues or debt recovery, the legal costs can soon mount up. Hiscox legal protection insurance is there to help you cover your costs when you’re defending your business, allowing you to focus on your job.

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About legal protection insurance


What does legal protection insurance cover do?

Legal expenses insurance covers you for a wide range of things that might get in the way of doing business. It could be an employment dispute from an employee (or an ex-employee), or a contractual dispute with a supplier. Along with the coverage you’ll get free access to expert tax and legal advice.

When should I get legal protection insurance?

Whether you’re a start-up or a well-established business, you want to focus on making your company a success. Legal disputes from employees, customers or even HM Revenue and Customs are the last thing you need. Having the right commercial legal insurance from day one can make all the difference so you can get on with what you do best.

How much legal protection cover will I need?

We can cover you up to £100,000 for legal costs when defending a claim. This could help cover the appointment of solicitors, barristers and expert witnesses. We’ll work with you to make sure your policy fits with your needs and we'll also give you access to free, expert legal advice.

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Where legal protection insurance cover can help


Employment disputes


An employee has been turning up late, missing sales leads and being rude to colleagues. You’ve had to give them several warnings and finally it comes to dismissal. Should they decide to take you to an employment  tribunal, with your legal insurance protection you can appoint a solicitor to defend you.

Trespass and damaged property


Trespassers have accessed a painting and decorating business yard and damaged fencing and vehicles, so the business faces costs for repair. The Crown Prosecution Service didn’t proceed despite the trespassers admitting causing damage, so a civil action was the only alternative to recover the costs. Legal protection is there to make sure you don’t have to deal with the headache alone.

Debt recovery


A contractor owed several thousand pounds to a builder’s merchants. After months of trying to recover the money a civil action was the only option. Following the appointment of a solicitor a County Court judgement ordered the contractor to pay the debt owed with interest. Nobody likes having to chase what they’re owed, legal protection insurance takes the weight from your shoulders.

When you might use legal protection cover


  • An employee, past, present or future seeks compensation through an employment tribunal.
  • Your property is damaged or you’re having problems with trespassers.
  • You’re involved in a contractual dispute over the purchase, hire, sale or provision of goods and services.
  • You need to recover a debt for goods and services exceeding £250.

 

Need more details?

Download a summary of what our legal protection insurance covers and the policy wording here:

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We cover a huge range of different business types and sizes. We’ll tailor your quote to meet your needs.

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