Call 0113 391 9598

Legal expenses insurance - Liability insurance for sole traders

Did you know your insurance may not cover you for legal costs if you’re running your own business?

Your current insurer may restrict or even exclude cover altogether in the event of defending a legal dispute.

Unlike conventional insurance, Legal Expenses insurance does not make a direct payment for a claim. Instead, the insurance covers for the legal costs involved in either pursuing or defending a claim.

Towergate Professional Risks have designed a bespoke policy which includes:

• Tax protection
• Statutory licence
• Contract disputes
• Bodily injury
• Property
• Breach of environmental obligations
• Energy performance of buildings directive
• Employment disputes

Interested in a quote?

Request a call back from our friendly team of insurance specialists. Alternatively you can call us on 0113 391 9598 and we’ll give you a quote immediately.

Details and documents

The legal expenses cover available with Towergate Professional Risks provides you with protection against the possibility of legal action.

We will indemnify you in respect of legal expenses that you incur under the following section of cover: *

Key features and benefits

• Property cover for the cost of pursuing and defending disputes which may cause financial loss to your business of up to £125,000
• Cover for Taxation which protects your business for any investigation undertaken by H&M Revenue and Custom of up to £25,000
• Protection on Statutory licence which supplies representations to the registration authority as well as appeals to any court or tribunal to protect your licence should you suffer financial loss without an appeal being made of up to £125,000
• Bodily injury cover which covers you for legal costs for pursuing your rights to recover damages from a negligent person following death or bodily injury of up to £125,000
• Legal cost protection in the event of a breach of Environmental Obligations relating to recycling and disposal of business waste brought by a Local Authority - up to £10,000
• Legal protection arising from a breach of the Energy Performance of Buildings Directive of up to £10,000
  The pursuit or defence of legal proceeding arising from a breach of contract with a customer or supplier - up to £11,000
• Cover for the pursuit or defence of legal proceedings brought in an Employment Tribunal arising from a dispute with your employer - up to £25,000

Main exclusions

The policy is designed to cover most civil liability arising from your business - but there are a few specific exclusions:

• Tenancy or copyright disputes or disputes where your business is not exposed to financial loss
• Any claims involving any ‘Tax avoidance schemes’
• Any claim for bodily injury that is not caused by a specific accident
• Defamation actions
• Any legal proceedings involving an alleged, deliberate or intentional act

For more information on any of our insurance policies, including all exclusions, please see below.

• Legal expenses insurance (individuals)
• Legal expenses insurance (companies)

* subject to the terms, conditions and exclusions of the policy