Liability
Summary of Cover
Essential Business Legal cover is an insurance policy designed to protect businesses from a range of legal issues that may arise in the course of their operations. The cover provides access to legal advice, representation, and financial support to help businesses navigate through legal disputes and challenges.
What does this policy cover?
- Up to £100,000 legal costs and expenses per claim for disputes relating to your business, other than Executive Suite and Crisis Communication where the limit is £25,000. For Employment Compensation Awards, the insurer will pay up to £1,000,000 during any one period of insurance.
What types of legal issues are covered?
Where the core policy includes Employer’s Liability cover, we provide protection for legal costs arising from:
- Employment protection and compensation awards
- Employment restrictive covenants
- Tax investigations & VAT disputes
- Legal nuisance, trespass or damage to property
- Legal defence
- Compliance and regulation
- Statutory licence appeals
- Loss of earnings
- Personal injury
- Executive suite – legal cover to protect the principal, executive officers, directors and partners of your business
- Crisis communication
When the core policy only covers Public Liability, we provide protection for legal costs arising from:
- Tax investigations & VAT disputes
- Legal nuisance, trespass or damage to property
- Legal defence
- Compliance & regulation
- Statutory licence appeals
- Loss of earnings
- Claims involving your executives
- Contract & debt recovery
- Crisis communication
What will the cover pay for?
Dependent on the policy you have, commercial legal expenses insurance covers the costs of:
- A dispute with an employee that cannot be resolved
- A notice of an enquiry into the tax or VAT returns of the business
- Providing legal advice when it is needed quickly
- A Health & Safety inspection ending with a threat to prosecute the business
- A neighbouring business restricting access to the premises
- Navigating and resolving contract disputes
Plus
- Court fees
- Expert witness costs
- The other side’s costs if you are unsuccessful
- Certain compensation awards you are ordered to pay
How can I access legal advice?
Policyholders can access legal advice through ARAG’s 24/7 legal advice helpline, which connects them with experienced legal professionals who can provide guidance on a wide range of legal matters. There is no limit to the amount of times you can use the helpline.