legal expenses insurance cover | Tradesman Saver

Legal Expenses Insurance

Protect your business against unexpected legal issues from just £53* — automatically including:

  • Public Liability
  • Financial Loss
  • Products Liability
  • Legal Expenses
  • Accidental Death
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Running a trade business isn’t an easy feat. On top of worrying about the threats of fire, theft or flood, you can also face unexpected legal hurdles, such as a surprise visit from the taxman or having to resolve an employment dispute with an employee, which can be expensive and time-consuming.

Why do you need legal expenses insurance?

This is where legal expenses insurance comes in handy. Legal expenses insurance is designed to protect your business against all legal matters that you might face, including employment disputes, tax investigations, VAT appeals, defence or prosecutions, property disputes and even representation for compliance and regulatory matters (eg. health and safety).

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Why Us?

Online & Anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Instant Cover

No need to wait for your documents. You’re covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Our legal expenses insurance is automatically activated from the moment you purchase your Tradesman Saver policy. This provides cover with an indemnity limit of £250,000, which is the most we will pay out for legal costs and expenses in a single claim.

Legal expenses insurance provides cover (up to £250,000) for your legal costs and expenses for a generous range of legal disputes that you could find yourself involved in such as:

  • Employment disputes including compensation awards
  • Defence of prosecutions
  • Property disputes
  • Tax investigations
  • VAT appeals
  • Representation for compliance and regulatory matters (e.g. health and safety)
  • Employees extra protection defence

These covers are offered in addition to a 24-hour legal helpline waiting to address your queries, and a wealth of useful online legal resources. You can also seek help with tax and VAT investigations as part of your policy.

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What’s included with our Automatic Cover

How much does legal expenses insurance cost?

With Tradesman Saver, there is no additional cost for this valuable cover.  We provide it automatically with your public liability insurance policy as an extra benefit!  When you you consider that nowadays, you could easily pay a solicitor a fee of £200 + VAT for every hour of their time to advise you, our Legal Expenses Insurance could save you a small fortune.

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

At Tradesman Saver, we believe in offering our businesses a complete package for their insurance, and legal expenses insurance is an integral business insurance requirement.

How do I go about making a claim on my legal expenses insurance?

Simply give us a call to let us know what’s going on, and we’ll guide you through the process.  You’ll find all the numbers you need on our Support page.

What is “reasonable prospects of success” and why does this matter when I’m claiming with my legal expenses insurance?

When your claim has been accepted, more often than not it will be assessed by a lawyer to ensure the case is likely to succeed 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 during a case as evidence comes to light, but as long as your lawyer believes you’re more likely than not to win, your legal expenses insurance will still cover the fees. It is, however, important to bear in mind that there are instances where ‘reasonable prospects of success’ doesn’t apply, such as criminal cases.

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

Unfortunately, no. Your legal expenses insurance only covers you for disputes arising past the policy start date – this includes cases like an employment-related claim, where you may have reached a point where you need legal assistance after buying the policy, but the original dispute started much earlier before the policy commenced.

What are the benefits of having legal expenses insurance?

The benefits of Tradesman Saver’s legal expenses cover include:

  • No upfront solicitor’s fees: the insurer will pay a solicitor’s fees directly to the solicitor in question, so you don’t have to pay anything upfront
  • Alternative to legal aid: Legal aid is quite difficult to secure (you generally have to be in a low income bracket to obtain it), and isn’t available for employment disputes which are responsible for a number of claims, so legal expense insurance is the next best thing for ensuring your legal safety
  • 24-hour assistance: we offer 24-hour legal advice helplines, which can be really useful if you need points of law clarified so you can approach an individual or an organisation which the correct information. This can even sometimes help to prevent full legal action from being taken.
hard hat and gavel in legal courtroom

Why do you need legal expenses insurance?

As a sole trader or small business owner, you may not have access to legal expertise whenever you may need it.  Where would you turn if you had a legal dispute or a member of staff wanted to take you to a tribunal?  Solicitors can costs upwards of £200 per hour so it could be a costly exercise in getting the legal advice you need.  Without legal expenses insurance, you would need to meet the costs of this legal advice yourself.

With Tradesman Saver we provide legal expenses insurance as standard on EVERY policy.

Our Reviews

4.9 / 5 Based on 1015 Reviews
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*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2019 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.Registered in England No 1842617 Insurance Brokers. All rights reserved.
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