Commercial legal protection
Covers you against legal costs relating to:
- employment disputes
- non-motor criminal prosecutions
- the death or bodily injury of an insured person
- your property, following damage, nuisance or trespass
You may face additional risks if:
- you employ other people, even on a part-time or short-term basis
- you use subcontractors, self-employed or voluntary workers
DAS Legal Expenses Insurance Company Limited (DAS) will cover costs up to the level of cover chosen to defend your, or an insured person's, legal rights in all claims arising at the same time or from the same originating cause, relating to:
For full details of what's covered, see your policy documents.
What's not covered
This policy will not cover:
For full details of what's not covered, see your policy documents.
Who are DAS?
DAS Legal Expenses Insurance Company Limited (DAS) underwrite this commercial legal protection cover. DAS are specialists in legal expenses insurance.
What are legal costs and expenses?
By this we mean the costs associated with defending your legal rights, such as your solicitors' or barristers' fees and the costs of the other party in a disagreement should you lose and have to pay them.
Will a legal problem that exists before my policy starts be covered by legal protection insurance?
No, disputes existing before your policy starts are excluded.
If a new legal dispute arises, should I notify my own solicitor first?
If something happens and you think you will need to make a claim on your commercial legal protection insurance, it's important that you get in touch with DAS before taking any other action.
What civil legal proceedings are covered?
There are a number of civil legal proceedings covered by commercial legal protection insurance, such as defence against a claim for compensation under the Data Protection Act 1998. But these are quite specific, so for a full picture you should check the wording on your policy.
What if the cost of defending a claim goes over £100,000?
£100,000 is the most DAS will pay to pursue or defend your rights in all claims arising at the same time or from the same cause. If your claim or claims look likely to go above that limit, you'll be informed by your allocated solicitor or legal representative. You'll be responsible for the payment of any costs that go over the indemnity limit.