Commercial legal protection

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

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Award-winning cover
Only pay for what you need

Flexible cover for legal costs incurred

If you're no legal eagle, then keeping track of legislation can make your brain hurt. And if you're ever embroiled in a legal dispute – whether pursuing or defending a claim – it can be stressful and costly.

Our commercial legal protection can alleviate some of this stress. Covering you for legal costs incurred – solicitors, barristers and expert witnesses for example – you'll also receive day-to-day access to legal advice and tools. Making dealing with complex legalese that bit easier.

Underwritten by DAS, the market leader in specialist legal protection, our cover includes free access to our expert tax advice helpline, DAS employment manual and DAS BusinessLaw online database. So whenever your brain starts hurting, you'll have help at hand.

From ÂŁ10.08 per month

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

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Who is commercial legal cover for?

Commercial legal protection can be particularly useful for small businesses who have employees but who lack specialist legal expertise in-house. It is sold as an added benefit to any of our policies,providing peace of mind that you have legal support whenever you need it.

What is commercial legal protection insurance?

What if a former employee claims they were dismissed without the correct disciplinary procedures? Or HMRC finds financial irregularities in your tax return?

It's inevitable that most companies will require some kind of legal council at some stage. If and when you do, you'll want to know that you're covered.

With legal expertise on hand it's much easier to avoid expensive claims – helping you to dot the i's and cross the t's in all your business interactions.

To reduce the risk even further try to stay up-to-date with the laws and regulations affecting your business. And if you're not sure – ask! Nobody can be an expert in everything, so seek specialist help if you need it.

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.

Other covers to consider

Professional indemnity insurance

Covers your liability to customers for professional mistakes, errors or omissions in services you provide.

Employers liability insurance

Covers your liability to employees for bodily injury or work-related sickness.

Cyber insurance

Covers your liability for failing to protect data, as well as penalties for not complying with data protection law.

Contents and equipment insurance

Protects your property against theft, loss or damage.

Management liability

Covers you for negligence in media content and advertising, including website, blogs and social media.

Public liability insurance

Covers your liability to members of the public for bodily injury or damage to their property.

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Award-winning insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

Commercial legal insurance FAQs

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

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.

Commercial legal insurance is an optional cover, however if you’ve ever experienced a shock of getting a solicitors bill, you’ll understand how valuable it can be. Most businesses need legal advice at some point, and that’s where we come in. As an add-on, this policy covers off any legal bits and bobs that aren’t included in your main package. Then once you’ve got it, you can rest assured that you’ll always have a legal adviser on hand to help you keep up-to-date with all your responsibilities.

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

The level for this cover is fixed at ÂŁ100,000 and the cost starts from as little as ÂŁ10.08 per month. However the exact cost will depend on the approximate annual turnover of your company.

How can I pay for my cover?

At Digital Risks, we don’t like to put constraints on anyone, especially our customers. All of our policies are sold as flexible pay-monthly subscriptions, helping you to manage your cash-flow, and giving you the freedom to change or cancel your cover at any time.

How do I get an invoice?

Invoices for your monthly payments are available on request, so all you need to do is give us a call (or drop us a line), and we’ll get the requested documents sent out to you as quickly as possible. Alternatively, we can set up your account so that you automatically receive these on a monthly basis.

Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. A small business can grow and change quite frequently, which is why we made it incredibly easy to amend your policy - just get in touch with us by phone, email or webchat in the bottom right corner of this page.

Same goes for making a claim with Digital Risks. We won’t burden you with loads of processes and paperwork. All you need to do is let us know what happened and we’ll start the process for you. Simple as.

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.

What else do I need?

This policy can only be purchased as an add-on to another cover, such as professional indemnity, employers' liability or public liability insurance.

You’re legally required to take out employers liability insurance, which protects you against any claims of accident, illness of injury from employees. And with Digital Risks, EL comes in a package with both Public and Product Liability cover, which will protect you from claims of accident or injury from members of the public, as a result of your activities or products.

Another important cover to consider is professional indemnity insurance, which protects your business in the event of a claim for professional oversight or malpractice.

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We insure thousands of innovative businesses
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Ravelin
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We're rated excellent by our customers

Excellent value at an affordable monthly cost. I have not needed use the services. But its good to know I have the insurance there to allow me to get on with my work.

James, J. Black Photography

Flexible. simple, easy, immediate. As a busy freelancer I need flexibility to potentially change the policy month by month - very handy and a feature I didn't find with other providers.

Tim, Graphic Design Freelancer

Excellent service, and really lovely people. Completely understanding of small or start up businesses, and a willingness/ability to be flexible. I'm very happy.

Lorna, Magic Penny Gifts

A super slick interface and all around great experience. Thumbs up Digital Risks! Having spoken to a number of "large" insurers, the pricing I received from Digital Risks was much more competitively priced for "like for like" cover. Highly recommended.

Jonathan, Frello
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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.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under ÂŁ1m, charity with an annual income under ÂŁ1m, or trust with net assets under ÂŁ1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk