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Legal Expenses Insurance

Shield your business against the costs of a commercial dispute with our legal expenses insurance

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Tradesman Saver’s Legal Expenses Cover


Included as standard with our public liability policy

Our standard cover is:

  • Up to £250,000 for legal costs and expenses
  • A legal helpline which is open 24/7
  • A tax helpline that is manned by tax experts during office hours
  • Business legal services online to help you build and download legal documents relating to your business, such as employment contracts and health and safety policies
  • A confidential staff counselling helpline

Our legal expenses insurance is automatically activated from the moment you purchase your Tradesman Saver policy. This covers fees with an indemnity limit of £250,000. However, you can only use legal expenses insurance to cover the costs of protecting yourself legally, and not for the expenses of making a claim against somebody else. Furthermore, it does not provide protection should a client make a claim against you. 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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What’s included with our Automatic Cover

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What is legal expenses insurance?

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.

Why do you need legal expenses insurance?

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.

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Chosen by over 5000 businesses and counting *

Online access

We like to keep things simple. Your quote, purchase, and documents are all available online whenever you need to access them.

Monthly Instalments

Cashflow is important to every business, which is why you can spread the cost of your personal injury insurance with easy, monthly payments.

Instant Cover

Your policy comes into effect from the moment you purchase personal insurance cover with us, so there’s no need to wait for documents to arrive.

Added Protection

Products liability, financial loss, and accidental death are all covered as standard on every policy.

* Total number of live policies as at 31/03/2022
£50 from
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When a friend you refer takes out a new policy, we’ll give £25 to them, and £25 to you.

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Legal Expenses Insurance: Frequently Asked Questions

How much does legal expenses insurance cost?

Our legal expenses insurance in included in all of our insurance packages which start from £53, 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.

Is legal expenses insurance worth it?

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.

Why do you offer legal expenses insurance as standard when other insurance companies don’t?

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.

What is “reasonable prospect of success” and why does this matter when I claim with my legal expenses insurance?

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 broker 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.

Can I claim for a dispute which started before I bought my legal insurances policy?

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.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2022 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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