Commercial Legal Expenses Insurance

Part A – Your insured property
Part A covers you for legal disputes that arise from owning or letting out your insured property
1) Property damage, nuisance & trespass
2) Repossession of residential property
3) Commercial lease disputes
4) Recovery of rent arrears
5) Holiday homes contract disputes
Limit of Indemnity : £50,000

Part B – Your business
1) Employment
2) Employment compensation awards
3) Employment restrictive covenants
4) Tax disputes
5) Legal Defence
6) Compliance & regulation
7) Statutory Licence Appeals
8) Loss of earnings
9) Personal injury
10) Executive suite
11) Crisis communication
12) Contract & debt recovery
Limit of Indemnity : £100,000, with an inner limit of £25,000 in respect of Insured Events 10d, 10e (Executive suite) & 11 (Crisis communication)

Policyholder Benefits:
In addition to the insurance cover, the following helplines and services are available to

Legal & tax advice helpline
Access by phone to legal and tax experts for UK and EU-wide legal advice and UK tax advice

Redundancy Approval
Specialist advice if planning redundancies

Crisis communication helpline
Helpline for advice about negative publicity or media attention

Counselling assistance helpline
Employees can use this telephone service 24 hours a day, 365 days of the year

Legal Services website – www.araglegal.co.uk
Free access to the legal services website, which allows you to create many online documents and guides to help your business with everything from employment contracts and settlement agreements, to leases and Health & Safety statements. For a small additional charge you can have complex documents checked by a solicitor.

Whilst some insurance polices include an element of Commercial Legal Expenses insurance cover, our comprehensive ARAG policy may be of interest to you, if you would like to:

– get legal representation if an employee or ex-employee alleges that you have breached their contractual terms or employment rights and pursues a claim against you
– get help from a tax consultant or accountant to negotiate with HM Revenue & Customs in the event of a tax enquiry, a dispute over VAT or compliance with PAYE or National Insurance regulations
– get help if allegations or a complaint results in a criminal investigation or prosecution (including for motor-related offences), professional or regulatory investigation or disciplinary hearing
– get help if your business is exposed to adverse publicity to limit reputational damage
– access free business legal advice by telephone or online
– download legal documents such as an employee handbook, debt collection letters and Health &
Safety at Work documentation
– get a free online legal healthcheck

In addition, our policy can be extended to cover the needs of residential and/or commercial landlords, who wish to:

– access free landlord and tenant legal advice by telephone or online
– create legal documents online such as a residential tenancy or lease agreement, legal notices to serve on your tenant, or rent and debt-chasing letters