Commercial landlord legal protection
Add commercial landlords' legal protection cover to your landlords' insurance and we'll cover your costs up to £100,000 for a range of key legal expenses.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
What is legal protection insurance for commercial landlords?
As the owner of commercial property there are a variety of potential legal issues that could arise during your time as a landlord.
Legal protection insurance for commercial landlords is designed specifically to cover the costs of your professional and legal fees associated with a range of legal disputes and tax inquiries. You'll be covered up to £100,000 for legal fees for:
• Criminal defense
• Property protection
• Employee disputes
• Breaches of tenancy agreement
• Property licence suspension appeal
Plus you can get:
• £1 million compensation cover for certain employment disputes
• Accountancy or tax consultancy fees paid
• Employee salaries covered during court appearances or jury service
• Instant access to policy documents
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
What's included in commercial landlord legal protection?
Our legal protection insurance for commercial property owners includes a whole host of useful covers designed to protect you in the event of legal disputes or inquiries. Here are the core areas covered:
Accounting or tax consultancy
Covers the costs of an accountant or tax consultancy to assist with a tax enquiry, employer compliance dispute or VAT dispute with HMRC, up to £100,000.
Employee disputes
Covers the cost of defending your legal rights in a court or tribunal (up to £100,000) following the dismissal of an employee or an alleged breach of an employee’s statutory rights.
Criminal legal defense
Up to £100,000 for defending you and your employees’ legal rights following an alleged criminal offence (excluding motoring offences), or prosecution under data protection legislation.
Jury service and court attendance
Can cover the payment of an employee’s salary (up to £100,000) while they attend a court or tribunal or are doing jury service.
Property protection
Cover for your legal expenses (up to £100,000) to pursue damages in court following someone causing physical damage to your property (excluding physical properties in transit).
Statutory licence appeal
Covers the cost of your appeal following a decision by your local authority to suspend, alter the terms of, or cancel your property licence or mandatory registration (up to £100,000).
Commercial letting legal protection
Up to £100,000 of cover for legal expenses covering disputes relating to a breach of the tenancy agreement and repossession of your premises.
Compensation costs
Up to £1 million of cover for paying certain compensation costs you owe as part of an employment dispute.
Subject to certain terms and conditions (see your policy wording).
What's not included?
While we'd love to cover all and any legal disputes, as with all insurance policies, there are some elements and circumstances that are not included in your cover. So, sadly we can't cover:
- Fines, penalties, compensation or damages you are ordered to pay by a court or other authority (except those included for employment disputes in you policy documents)
- Defamation, bankruptcy or cases concerning intellectual property rights
- Shareholding or partnership disputes or franchise or agency agreements
- Claims where the lawyer appointed for you does not believe you will be more likely than not to win your case
- Any claim reported to us more than 180 days after the date you should have known about the claim
- Any employment dispute or breach of tenancy issue that originates within the first 90 days of the policy
- Any claim relating to a tax avoidance scheme, import or excise duties or import VAT
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Broadscale landlord insurance for commercial property owners
In addition to landlords' legal protection, we offer a range of covers that are specifically designed for owners of commercial property with portfolios of up to 10 units, including:
- Buildings cover
- Fixtures and fittings cover
- Property owners' liability
- Landlord's contents cover
- Employers' liability
- Terrorism cover
How do insurance claims work?
The below is a good guide to the process and timescales you can expect when you need to make a claim under your policy.
If you’re ever unsure whether you can or should claim, it’s best to get in touch and we can let you know.
Notify us of the claim
Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.
Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.
A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.
We'll get on the case
We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your claims reference and contact information should you need to speak to us.
We will then reach out to you within 48 hours to request any extra information we need to progress your claim.
We’ll keep you updated on the next steps as the claim progresses.
A decision is made
We’ll let you know if your claim is successful or not. If your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.
Read about the most common reasons claims aren't paid.
If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.
Commercial landlords' legal protection insurance FAQs
How much does commercial landlords' legal protection insurance and legal expenses insurance cost?
The cost of Superscript's legal protection insurance for commercial property owners depends on a number of factors, including the type of commercial units you own, how many units you own and how many employees you have.
Do I have to get landlords' legal protection insurance?
Legal protection insurance is not complusory and is an optional additional cover as part of your commercial landlord insurance policy. Without legal protection insurance, however, you will not be covered for:
- Legal expenses for pursing damages in court following someone causing physical damage to your property
- The cost of paying your employee's salary if they are summoned for jury service or a court appearance.
- The cost of an accountant or tax consultancy to assist with a tax enquiry, employer compliance dispute or VAT dispute with HMRC
- Costs associated with appealing against losing your licence or mandatory registration
- Mounting a legal defense for you and your employees’ following an alleged criminal offence, or prosecution under data protection legislation
- And much more.
Can I add landlords' legal protection for multiple properties?
Yes, if you are insuring commercial multiple properties in one policy and choose to add landlords' legal protection insurance to you policy, then it will apply to all the properties in your portfolio.
You are not able to choose to add this additional cover to some, but not all, of your properties.
What if I need to make changes to my policy?
You can make changes to your policy any time without any additional fees. Simply get in touch with our customer service team who will be happy to help you make adjustments to your cover.
Can I add rent guarantee insurance for my commercial properties?
Superscript's rent guarantee insurance is limited to landlords with one or more residential properties and is unfortunately not available to commercial landlords.
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