Extras

Commercial legal protection

Get advanced business legal protection to cover commercial legal affairs as efficiently as large organisations that have in-house legal teams. This expert add-on cover can be bought alongside another policy from Digital Risks.

Commercial legal protection quote

From£
10.08
per month

Comprehensive business legal protection insurance for businesses at any stage of growth. Underwritten by DAS, the market leader in specialist legal protection.

  • IR35 and tax enquiries
  • Legal advice helpline
  • Compensation awards
  • Certain legal disputes

Our specialist business legal expenses insurance includes free access to expert tax advice helpline, DAS employment manual and DAS BusinessLaw online database.

Benefits of commercial legal protection from Digital Risks

Protection for your employees

Tax inquiries, employees being summoned for jury duty, damage to property caused by trespassers – these all come with costs. Cover yourself and employees from the many events that can occur with commercial legal protection.

Protection for business owners

Accidents such as dismissing employees without following the correct procedure or incorrect tax returns can lead to legal action. We cover payments for court fees, inquiry expenses and court attendance costs to cover you if a claim is made.

Protection from costly disputes and inquiries

Should you be faced with VAT disputes, tax enquiries, compliance disputes with the HMRC, or needing help from tax consultants, we will cover all payments necessary to help you get back to business.

Commercial legal protection guide

Find out more about commercial legal protection, the risks it covers and what to look out for in a policy.

What is commercial legal protection?

Commercial legal protection cover provides you with legal advice and support whenever you might need it, particularly if you don’t have your own legal expertise in-house. The cover can include fees for solicitors, barristers and accountants, as well as court costs and certain compensation claims relating to employment disputes or tax returns.

What risks does commercial legal protection cover you for?

All companies are likely to require legal advice at some stage. Commercial legal cover exists to advise and protect you from a range of issues, such as employees claiming they were unfairly dismissed, to HMRC questioning you over discrepancies in your tax return.

Things you can do to reduce your commercial and legal risks

No business knows the answer to everything, which disruptive fast-growing companies know all too well. You can learn more about your industry’s changes by subscribing to publications that cover your industry to become aware of potential risks. And should you find yourself stuck, seeking specialist help may help you avoid a costly mistake.

What to watch out for in a commercial legal policy

Our commercial legal protection can only be bought alongside another business policy, such as public liability, professional indemnity or employers liability insurance. It cannot be bought on its own. Also, bear in mind that it won't cover your business for compensation costs resulting from a claim against you, so you may need additional cover for this.

We've made insuring your business so simple, you'll be covered in less than 10 minutes

Other covers to consider

Browse our range of covers and build the most accurate protection for your business.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Select from:

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Select from:

Management covers

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Select from:

We insure thousands of innovative businesses

Contents and equipment insurance FAQs

What kind of businesses do you provide cover for?

Digital Risks covers a broad range of business types. Whether you have an established company, a small startup, or you work as a contractor or freelancer, we can certainly take care of you. When you start an online quote, just start typing the first few letters of your business activity and our system will do the rest. And if it’s not on the list, give us a call and we’ll sort you out with a tailored policy.

What level of cover do I need and how much will it cost me?

The level for this cover is fixed at £100,000 and the cost starts from as little as £10.08 per month. However the exact cost will depend on the approximate annual turnover of your company.

The law is there to protect you and those around you, but it’s not always easy to decipher who’s in the right and who’s in the wrong, or to defend your corner effectively. And there are plenty of grey areas. That’s why if you find yourself caught up in some kind of legal dispute, you’re likely to need some expert advice from a professional. Here’s just a couple of situations where commercial legal cover would come in handy.

  1. Employment disputes are extremely common in the workplace, and they can occur whenever an employee feels they haven’t been treated fairly, or contrary to employment regulations. One example is if a former employee makes a claim of constructive dismissal against your business, or if you didn’t go through the correct redundancy procedures. If that happens you’ll be faced with an employment tribunal and all the costs that entails. In that situation, commercial legal cover will provide your business with expert counsel, and cover any legal costs involved.

  2. A dispute could also occur in the event that a company or individual you’ve entered a contract with does not perform their duties fully or as agreed. For example, imagine a photographer you’ve hired delivers the photographs in the wrong resolution and then permanently deletes the original files leaving you out of pocket and without the photos you paid for. Working out the best way to broach the issue is likely to require legal advice, which could be extremely costly without the right cover to foot the bill.

Check out our latest posts

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.