For A No Obligation Commercial Legal Expenses Insurance Quotation –  Please Complete Our Quote Request Form

We all hope that disputes won’t arise, however if they do a Commercial Legal Expenses insurance can prove invaluable. Our ARAG Commercial Legal Expenses scheme can assist with a broad spectrum of issues (ranging from employment and tax disputes, to debt recovery and contract disputes). If you arrange your property and/or commercial insurances with Insurance2day, cover can be arranged from just £55 per annum. Enabling you to deal with a crisis in the most effective manner possible.

ARAG Summary of Cover and Important Information 
ARAG Commercial Legal Expenses Policy Wording

ARAG Commercial Legal Expenses Scope of Cover:

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

Part B – Your business
Limit of Indemnity : £100,000
1. Employment
2. Employment compensation awards
3. Employment restrictive covenants
4. Tax protection
5. Legal defence
6. Compliance & regulation
7. Statutory licence appeals
8. Loss of earnings (if attending court or tribunal for a claim under this policy or for Jury Service)
9. Employees’ extra protection & identity theft
10. Crisis communication (£10,000 limit of indemnity)
11. Contract & debt recovery (where the amount is dispute exceeds £200)

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
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

Please Complete Our Commercial Legal Expenses Insurance Quote Request Form