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WHAT IS LEGAL EXPENSES INSURANCE?
Legal Expenses Insurance covers a tradesperson for the legal costs incurred when defending against various legal disputes, such as employment disputes, health & safety prosecutions, and criminal prosecution defence.
As a self-employed individual or business owner, it's possible that your business will be exposed to legal issues and disputes, so Legal Expenses Insurance is a vital policy that all tradespeople should have as part of their insurance portfolio, offering protection in the event of legal issues arising.
This policy offers financial protection and peace of mind, covering the costs of legal disputes and ensuring that you get access to expert legal representation.
- Offers cover for a variety of legal issues.
- Protects your business with up to £50,000 of cover with no excess.
- Costs just £85.00 for the year, or £7.08 per month.
What does legal expenses insurance cover?
Legal Expenses Insurance covers a wide range of legal issues which are common among trades businesses, such as employment disputes, health & safety prosecutions and criminal prosecution defence. This policy will cover solicitors’ fees associated with a claim incident, the cost of going to court, as well as giving you access to a free legal advice telephone service. Rhino’s Legal Expenses Cover offers £50,000 of cover for these legal issues, with no Excess to pay in the event of a claim.
When adding our legal expenses insurance to your policy, you would be covered for:
- Employment Disputes;
- Health & Safety Prosecutions;
- Criminal Prosecution Defence;
- Jury Service Allowance;
- Property Disputes;
- Data Protection Issues;
- Personal Injury Legal Proceedings;
- Debt Recovery;
- Restrictive Covenants; and
- Wrongful Arrest Defence.
For full terms and conditions, please refer to the Policy Wording.
What could a claim look like?
Rhino’s Legal Expenses Insurance covers a range of potential legal issues that could affect you or your business, so the claims that could arise are also varied. Below are a handful of examples of when you might need Legal Expenses Insurance.
- An employee brings a claim against you for wrongful dismissal, and you are required to defend yourself at an employment tribunal.
- You become subject to a Health & Safety prosecution following an accident at work or need to appeal against the service of an Improvement Notice or Prohibition Notice.
- You are called to attend jury service, in which case the policy will provide cover for your loss of earnings up to £100 per day, £1,000 per claim.
- You are required to pursue or defend legal proceedings in relation to the rightful ownership or possession of property (land and/or buildings).
- You, a director or employee of your business suffers personal injury as a result of the actions of a third party and wish to pursue damages from that third party.
These scenarios would be covered under your Legal Expenses Insurance policy with Rhino, meaning you could make a claim on the policy, ensuring your business isn’t weighed down by expensive legal proceedings, allowing you to crack on with your day job.
How much does legal expenses insurance cost?
Rhino’s Legal Expenses Insurance costs just £85.00 per year, or £7.08 per month*, making this insurance cost effective and accessible to all tradespeople, no matter the size of your business.
Legal Expenses Insurance offers protection in the form of financial security, and peace of mind, against the significant expenses associated with legal issues, and our Legal Expenses Cover ensures your business can withstand any potential legal issues you may face. With Rhino Trade Insurance, our cost-effective and comprehensive cover allows you to concentrate on your job whilst legal professionals assist with the process of your claim in the background.
You can get a tailored quote for your business’s needs by using our quick online quote engine, or you can pick up the phone and talk to one of our dedicated insurance agents on 0116 243 7904.
*All payments, inclusive of Insurance Premium Tax (IPT).
LEGAL EXPENSES COVER SUMMARY
- Up to £50,000 of cover for a wide range of legal issues
- £100 per person, per day, for jury service (up to a maximum of £1,000 for any one claim)
- Access to a free legal advice helpline
- Instant cover with documents issued immediately
- Purchase as an add-on to your Public Liability Insurance
- Monthly or annual payment options
- UK telephone support
why do i need legal expenses insurance?
Legal Expenses Insurance is an effective policy addition for any self-employed tradesperson, as it enables you to focus on your work without the fear of potential legal issues derailing your business. Whether you're a contractor providing high-quality services or a plumber setting up a new heating system, securing the right insurance is crucial for the success of your business.
Regardless of your experience, incidents can occur which could leave you open to legal issues, which is why it is vital to have the correct level of cover in place to protect your business.
Curious about how our Legal Expenses Cover can protect your business? Call our team on 0116 243 7904 or use our quick and easy quote engine to get covered in minutes.
ADVICE LINES
You also get access to our free legal advice line, which provide unlimited access to our expert advisors for support on any tax, employment, Health & Safety, or legal issues that you or your business encounter.
Need more help understanding Legal Expenses Insurance? Call Rhino today on 0116 243 7904 or start a live chat with us now.
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Legal Expenses Insurance FAQs
The costs associated with legal issues can quickly run into the thousands of pounds, which is why Legal Expenses Insurance is so valuable. It offers practical advice and support, as well as a £50,000 limit of indemnity in the event of needing defence or representation if a claim arises.
For a small outlay of £7.08 each month, you can have the peace of mind that comes with knowing that whatever happens legally, you have the correct cover in place to sort the issue out.
For a small outlay of £7.08 each month, you can have the peace of mind that comes with knowing that whatever happens legally, you have the correct cover in place to sort the issue out.
Legal Expenses Insurance won’t cover third party liability claims (you’d need Public Liability Insurance for that) or claims for claims of negligence from your employees (that’s where your Employer’s Liability Insurance will come into its own).
Always read the Policy Wording documents carefully, as exclusions apply. For example, this insurance won’t pay out if you have engaged in wrongdoing or fraudulent activity, or if it’s very unlikely you won’t win your case.
Always read the Policy Wording documents carefully, as exclusions apply. For example, this insurance won’t pay out if you have engaged in wrongdoing or fraudulent activity, or if it’s very unlikely you won’t win your case.
You can, and if you run a business, you should.
Legal Expenses Cover will provide cover for you or your business for a wide range of legal issues, from employment disputes or property disputes, to health & safety prosecutions and debt recovery. It’ll even pay you if you get called up for jury service, providing temporary income so you don’t lose out.
Rhino makes buying Legal Expenses Insurance simple. You can buy online in just a few clicks, with the documentation sent to your inbox in seconds.
Legal Expenses Cover will provide cover for you or your business for a wide range of legal issues, from employment disputes or property disputes, to health & safety prosecutions and debt recovery. It’ll even pay you if you get called up for jury service, providing temporary income so you don’t lose out.
Rhino makes buying Legal Expenses Insurance simple. You can buy online in just a few clicks, with the documentation sent to your inbox in seconds.
