Legal expenses insurance for businesses

Cover your business against the cost of contract disputes, tax investigations and more from as little as £5 a month.

  • Fast, easy online quote in just 90 seconds

  • 24hr legal advice helpline and legal hub

  • No hidden fees or cancellation charges

Legal expenses insurance can protect your business against a wide range of legal costs, including contract disputes (including recovering debts owed to you by your clients), tax enquiries (including IR35) and employment disputes with former employees.

What is legal expenses insurance?

Legal expenses insurance covers the cost of pursuing or defending against certain legal actions. The chance of a dispute with another party such as a client, a supplier or an employee is significant so having protection through a legal expenses insurance policy could be valuable to your business.

What does legal expenses insurance cover?

Legal expenses insurance covers legal costs and expenses in respect of:

  • Contract disputes
  • Tax investigations (including IR35)
  • Jury service attendance
  • Criminal defence
  • Health & Safety investigations
  • Employment disputes

When you arrange your legal expenses insurance with Markel, you also receive access to:

  • 24 hour legal advice helpline – giving you immediate access 24/7 to an experienced team of qualified solicitors at no additional cost. Knowing who to turn to for expert legal advice can be difficult when you’re working for yourself. The team at Markel Law are on hand day and night to help you with any business-related legal queries.
  • Markel Law Hub – an online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use to run your business with confidence - without paying any expensive legal fees.

Why does my business need legal expenses insurance?

Legal expenses insurance covers legal costs you might incur during disputes or legal action.  Legal expenses insurance will enable you to:

  • Pursue a client where they have breached a contract or defend you against an unfounded allegation of you being in breach
  • Have representation when HMRC conduct an investigation into your business tax affairs
  • Have representation when the Health & Safety Executive conduct an investigation for example after an accident that took place at your business premises
  • Have representation when you are requested to attend a police interview under caution concerning an alleged criminal matter that took place in connection with your business
  • Cover expenses if you are required to attend jury service
  • Defend yourself against an allegation of discrimination by a former employee

How to arrange cover

You can get a quote for commercial legal expenses insurance in as little as 90 seconds. To get started, we’ll ask a few details about your business and you can build a policy that best suits your specific business requirements.

Get a quote online now, or call our insurance experts on 0800 640 6600.

How much does legal expenses insurance cost?

Taking out business legal expenses insurance with Markel is available from as little as £5 a month. You may cancel the policy within 14 days of receiving your policy documents and no charge will be made, with any premium you have paid being refunded.

Customer reviews

4.8/5

Rated 4.8 stars from 351 customer reviews at Google

Policy Documents

Cover starting at just £5 a month

Frequently asked questions

  • What's the difference between legal expenses insurance and professional indemnity insurance?

    Legal expenses insurance covers your business for a wide range of potential legal disputes including investigations by the Health & Safety Executive, contract disputes, employment disputes with employees and the costs of attending court if required to when you have a claim covered under the policy.

    Professional indemnity insurance, on the other hand, specifically covers against allegations of professional negligence – namely errors or mistakes you make in a piece of work (such as a project or report) for a client.

    The two types of cover insure against different scenarios, therefore, it's important you consider arranging both to ensure full protection.

  • What level of cover is available?

    Our legal expenses insurance offers limits of up to £100,000.

    Please note this is subject to a total limit of £1m for all claims made in a policy period.  For full details, please refer to the Summary of Cover and Policy Wording.

  • Why should I insure with Markel?

    Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.

    We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.

Cover starting at just £5 a month

Cover starting at just £5 a month

More specialist cover

  • Professional indemnity insurance

    If your business needs to defend itself from claims for compensation or damages in cases of professional negligence, professional indemnity insurance is essential.  We offer cover for a wide range of limits ranging from £50k to £5m.

  • Public liability insurance

    If someone is injured at work or their property is damaged, public liability insurance covers your business against potential claims. Limits range from £1m to £5m.

  • Employers' liability insurance

    If your business has any employees then you are required to have employers’ liability insurance by law. Should an employee make a claim against you for an injury or illness arising from their employment, this insurance protects you. Limit of £10m.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts, and of any damages subsequently awarded against you.

    Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100k to £5m.

  • Office insurance

    Office insurance protects against costs incurred by accidental damage or theft in your office. You can also insure your business against loss of income and/or trading expenses incurred as the result of events like a flood or fire.

    Business equipment cover is available on an additional basis, protecting laptops, mobile phones and the like on a worldwide basis – ideal if you’re frequently on the road or visiting client premises.

  • Cyber and data risks insurance

    If your business falls victim to a targeted cyber-attack, this insurance can pay the many associated costs, such as loss of profit and restoring data. Additionally, this also covers your legal costs and damages to other parties, including ransom payments.

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