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Legal expenses insurance - Liability insurance for firms
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 HM 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 protects you for legal costs for
pursuing your or an employee’s 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 proceedings arising from a
breach of contract with a customer or supplier - up to
£11,000
- Cover for the defence of proceedings brought by an employee in
an Employment Tribunal - up to £125,000
Main exclusions
The policy is designed to cover any 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 the documents section.
* subject to the terms, conditions and exclusions of the
policy
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