Legal Cover

Legal Protection

• A successful Employee unfair dismissal claim can cost your business over £50,000.
• Employee Race or Sex discrimination claims have no compensation award maximum.
• Recent successful claims include award payouts of £150,000 and £175,000.
• Employment Tribunal cases have risen over 140% in the past ten years, in 2001/2 over 112,000 tribunal applications were received and the average compensation award is now approaching over £10,000.
• Contractual disputes – the estimated value of customer/contractual disputes in the UK is in excess of £85 million.
• Tax investigation – Since the introduction of self-assessment HM Revenue and Customs has authority to conduct random investigations of taxpayers’ business and personal affairs, without having to show any reasons.

How at risk is your business?

You insure your business against catastrophes such as fire and theft but are you protected against the threat and often crippling high cost of litigation? In an increasingly litigious and legislated commercial environment, it can be hard to keep up to date with all the changes affecting a business. Few companies can afford the luxury of an in-house lawyer and many do not have dedicated HR personnel specialising in employment law. With Legal Protection you get comprehensive cover for your business with the benefits of legal advice and representation without the financial burden.

Cover at a glance

The policy will cover legal costs and expenses of up to £100,000

Comprehensive cover, comprising:

• Employment dispute protection
• Legal Defence (including prosecutions from the Health and Safety Executive)
• Tax Investigation (Limit £2000, in respect of Aspect Enquiries)
• Contractual dispute protection in respect of the sale or purchase of goods or services
• Property Protection and Bodily Injury including nuisance and trespass
• Helpline Services
  24 hour ‘Multi Assistance’ Legal, Tax, Business Assistance and Counseling Helplines. Online Employment Manual – A comprehensive employment procedures reference guide available to all clients.

What is paid

The policy will pay legal costs up to £100,000 including solicitors’ and barristers’ fees, court costs, expenses for expert witnesses, attendance expenses and accountants’ fees. This cover can also pay the costs of appealing or defending an appeal.

Contact us for a free quotation