Shield your business with legal expenses cover, included with your policy at no extra cost.
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Included as standard with our public liability policy
Our standard cover is:
Optional cover:
Our legal expenses insurance is automatically activated from the moment you purchase your Tradesman Saver policy. This covers legal fees with an indemnity limit of £250,000. Legal expenses insurance covers the costs of protecting yourself legally. It does not provide protection should a client make a claim against you, this is covered by your public liability insurance.
Cover under the legal expenses section of the policy can be extended to include contract and debt recovery. This cover provides up to £250,000 of protection against financial losses resulting from non-payment of debts and breaches of contract. Cover includes legal costs associated with pursuing unpaid invoices or enforcing contractual obligations, as well as potential losses from contract disputes.
But, as we don’t believe in offering stand-alone legal expenses insurance, our policy comes with four other automatic covers that offer just this. As part of this, you will receive products liability insurance, protecting you if any somebody sustains an injury from your products, as well as public liability insurance, which safeguards your business if you injure a customer or member of the public. In addition, our standard policy insures you against financial losses inflicted on third parties and accidental death if you or any of your employees are killed.
To give your business the most comprehensive protection, you may want to take out some optional covers on top of our five-part automatic cover. For instance, our professional indemnity insurance protects you if somebody files a lawsuit against your company for a mistake it has made, such as offering poor financial advice or delivering substandard services. This provides you with up to £50,000 cover. You might also be interested in employers liability insurance, which is mandatory by law should you employ staff, or personal accident cover, which gives you financial support if you’re unable to work.
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Legal expenses insurance covers the costs of defending your business in a legal case. As a sole trader or business owner, you could face unexpected legal hurdles, such as employee disputes or tax investigations, at any time, even if you’ve done nothing wrong. The expenses associated with this could wreak havoc on your company’s bottom line. But you needn’t worry, as Tradesman Saver can take care of any legal fees for you, such as lawyer and court expenses, witness costs, expert fees, and translation expenses.
Regardless of how carefully you run your business, you may still require legal help at some point. The business world is fraught with dangers, and it’s easy to be caught out by the huge amount of legislation governing companies today, especially complicated tax laws. An in-house legal team is too expensive for many companies, which is why our commercial legal expenses insurance cover could be the safest, most cost-effective precaution. This protects you against all legal issues your company might face, including VAT appeals, property disputes, and compliance and regulatory matters, such as health and safety. With employment tribunals costing employers on average of £8,500, our legal expenses insurance means your business will never have to suffer because of costly cases. Click the button below to create a tailored legal expenses insurance quote.
* Total number of live policies as of 31/10/2025
Our legal expenses insurance in included in all of our insurance packages which start from just under £59, though the overall cost depends on various factors. For instance, you might want to take out some optional covers in addition to our standard package. However, when you consider solicitors can easily cost £200 + VAT for every hour they advise you, our Legal Expenses Insurance could save you a small fortune.
Our legal expenses insurance ensures you aren’t burdened with huge legal costs if somebody brings a claim against you. You won’t have to pay any solicitors fees or obtain legal aid either, which is often difficult to secure. Additionally, we offer 24-hour legal advice helplines to our customers, which is extremely useful for clarifying points of law. This insight may even help prevent legal action being taken against you in the first place.
Here at Tradesman Saver, we believe in offering our customers a complete insurance package, and legal expenses cover is an integral business insurance requirement for the reasons listed above.
Your legal case will probably be assessed by a lawyer to determine its likelihood of success in court. This is called “reasonable prospects of success” and is a fairly standard part of the legal process. The initial “prospects of success” can change throughout the case as more evidence comes to light, but as long as your lawyer believes you’re more likely to win than lose, your insurance policy will still cover the fees. That said, it’s important to be aware that “reasonable prospects of success” doesn’t apply in all instances, such as criminal cases.
Unfortunately, no. Our legal expenses cover only protects you for disputes after the policy start date. This includes employment-related cases, where you may require legal assistance after buying the policy, but are unable to if the dispute has already begun.
Yes, cover under the legal expenses section of the policy can be extended to include contract and debt recovery. This cover provides up to £250,000 of protection against financial losses resulting from non-payment of debts and breaches of contract. Cover includes legal costs associated with pursuing unpaid invoices or enforcing contractual obligations, as well as potential losses from contract disputes.
From only£55per year 
From only£55per year 
From only£55per year 
