Insurance 101

What is commercial legal protection?

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 is that bit easier.

Underwritten by DAS, the market leader in specialist commercial 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.

Who is commercial legal protection 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 are the risks

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.

Things you can do

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.

Things to watch out for

Our commercial legal can only be bought alongside another business policy, such as Public Liability Insurance, Professional Indemnity Insurance 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.