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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 contract issues, employment tribunals, and criminal investigations. Legal expenses insurance might not be as well-known as some other types of cover, but it can be extremely beneficial addition to your business' cover should legal disputes arise.
As a self-employed individual or business owner, it's possible that your business will be exposed to legal issues and disputes. Providing financial protection and peace of mind, covering the costs of legal disputes and ensuring that you get access to expert legal representation, having legal expenses insurance can help provide much needed protection for your business.
- Covers you against legal disputes and court costs.
- Protect your trade up to £50,000 with no excess.
- Protect your business for £85 per year.
Rhino's Take: Rhino's cover does three things: it keeps you protected, it sets your mind at ease, and it's affordable.
What does legal expenses insurance cover?
Legal Expenses Insurance covers all manner of legal difficulties which are common among trades businesses, such as employment issues, health and safety problems and criminal activity. This valuable policy will also cover things like solicitors’ fees plus the cost of going to court whilst also giving you access to ongoing legal assistance and advice to help with legal cases.
With Rhino’s legal expenses insurance in place, you have access to legal helplines and up to £50,000 to help with the expense of professional fees.
When adding our legal expenses insurance to your policy, you can benefit from the following:
- Employment Disputes;
- Health & Safety Prosecutions;
- Criminal Prosecution Defence;
- Property Disputes;
- Data Protection;
- Personal Injury;
- Debt Recovery;
- Restrictive Covenants; and
- Wrongful Arrest Defence.
- Up to £100 per day and maximum of £1,000 for any one claim should you be called for jury service.
For full terms and conditions, please refer to the Policy Wording.
What could a claim look like?
Imagine if an employee whose contract you terminated decided to take action and sue you for unfair dismissal. Where would you turn? What if you accidentally forwarded an email with sensitive customer data on it and ended up in hot water with GDPR? Both of these scenarios would see the policyholder able to claim on their legal expenses policy, ensuring their business can carry on like normal.
How much does legal expenses insurance cost?
At Rhino Trade Insurance, we provide top-tier insurance solutions alongside our A-rated partners. If you want budget-friendly cover tailored specifically for tradespeople, you can secure our excellent protection, starting at just £85 per year or £7.08 per month*.
As legal expenses insurance acts as a protective barrier for those seeking financial security against the steep expenses associated with legal rows, our policies ensure your business can withstand legal challenges. With Rhino Trade Insurance, our cost-effective and all-encompassing coverage allows you to concentrate on your job whilst we assist with the legal process of your claim.
The only way to know for sure what your cover will cost you is to get a personalised quote from us. You can do this in just a minute or two using our online quick quote generator, or pick up the phone and talk to us on 0116 243 7904.
Rhino's Take: If you’re looking for quick and effective service, our team goes above and beyond - it’s the reason we have over 3,500 five-star reviews.
*All payments, inclusive of IPT and monthly payments, include direct debit administration fees.
LEGAL EXPENSES COVER SUMMARY
- Up to £50,000 of cover for a wide range of legal disputes
- £100 per person, per day, for jury service (up to a maximum of £1,000)
- Access to legal helpline
- Instant cover with documents issued immediately
- Purchase as an add-on to your Public Liability Insurance
- Monthly or annual payment options – no extra fees
- UK telephone support
why do i need legal expenses insurance?
Legal expenses insurance is an effective policy addition for any self-employed professional or business, as it enables you to focus on your work without the fear of potential legal issues. 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 level of experience, workplace accidents can occur, sometimes landing you in a legal dispute. Without adequate insurance, the financial burden of these issues will be entirely on you. That is why selecting the right level of trade insurance takes some thought; it's about protecting your business and your earnings from unexpected situations.
When you purchase a policy with Rhino Trade Insurance, you're partnering with an insurance broker that is completely dedicated to serving the trade industry. We are always chatting with tradespeople, enabling us to provide the most suitable insurance plans at a competitive rice, tailored to your specific profession!
Curious about how our legal expenses coverage can protect you? Call our team 0116 243 7904 or request your quote and sign up in minutes today.
POTENTIAL CLAIMS
Below are some examples that may be covered under a Legal Expenses Insurance Policy:
- 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 criminal prosecution under Health & Safety legislation 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.
ADVICE LINES
You also get access to our Business Support advice lines which provides unlimited access to our expert advisors for support on any tax, employment and 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.
Policy Docs
Useful Links
Legal Expenses Insurance FAQs
Most of us wouldn’t know where to start if we found ourselves in need of legal support. This is why Legal Expenses Insurance is so valuable. It offers practical advice and support as well as a £50,000 kitty to use to call in the professionals.
For a small outlay each month, you can have the peace of mind that comes with knowing that whatever happens legally, you’re not alone.
For a small outlay each month, you can have the peace of mind that comes with knowing that whatever happens legally, you’re not alone.
Legal Insurance won’t cover third party liability claims (you’d need Public Liability Insurance for that) or claims for injury or property damage brought by 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 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 it’s very unlikely you won’t win your case.
You can, and if you run a small trades business, then you should.
Insurance for legal costs will be the guardian angel you need if you run into trouble in a whole range of areas, from employment disputes, property disputes to health & safety prosecutions. It’ll even pay you if you get called up for jury service and can’t make your regular income temporarily.
Rhino makes buying Legal Expenses Insurance simple. You can either buy it as a standalone policy, or purchase it as a handy add-on to your core Public Liability Insurance with us. With Rhino, you can buy online in just a few clicks and get the relevant policy documents and virtual ‘paperwork’ sent to your inbox in seconds.
Insurance for legal costs will be the guardian angel you need if you run into trouble in a whole range of areas, from employment disputes, property disputes to health & safety prosecutions. It’ll even pay you if you get called up for jury service and can’t make your regular income temporarily.
Rhino makes buying Legal Expenses Insurance simple. You can either buy it as a standalone policy, or purchase it as a handy add-on to your core Public Liability Insurance with us. With Rhino, you can buy online in just a few clicks and get the relevant policy documents and virtual ‘paperwork’ sent to your inbox in seconds.
