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Commercial legal expenses insurance

Cover your business against the cost of contract disputes, tax investigations and more from £6 a month*.

Feefo 4.8 of 5 rating

*The monthly figure shown is an average equivalent monthly of the annual premium. Higher first payment applies and individual premium may vary. 

Fast, easy online quote in 90 seconds

24hr legal advice helpline included

No hidden fees or cancellations

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.

Markel offers legal protection insurance from £6 a month. It enables you to access 24-hour legal advice via our helpline and will cover unexpected legal costs should you find yourself in a dispute.

Cover at a glance:

  • Protection against a wide range of legal costs up to £100k
  • Covers contract disputes, tax inquiries, employment disputes and more
  • Tailored to your profession and industry

What is legal expenses insurance?

Legal expenses insurance can help cover 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.

Markel Direct offers legal protection insurance from £6 a month*. It enables you to access 24-hour legal advice via our helpline and helping to cover unexpected legal costs should you find yourself in a dispute.

Feefo 4.8 of 5 rating
2026 Platinum Trusted Service Award
Female consultant smiling with customer

Why choose Markel for legal expenses insurance?

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 0371 705 1433 or get a quick quote online.

Legal expenses cover from

£6.00 per month*
*Price based on a business consultant requiring £100,000 of legal expenses insurance.

Why does my business need legal protection insurance?

Legal expenses insurance covers legal costs you might incur during disputes or legal action. Legal protection 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 investigate 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 should you be required 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 it works

Choose the cover you require

Get a quote you need in minutes

Buy online or contact one of our advisors

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

Depending on the cover you choose, there may be a payable excess in the event of a claim.

Please note that cover varies depending on your trade/occupation. Refer to the policy wording and summary of cover provided with your quote for your full cover details.

When you arrange your legal protection 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 Business 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.

What is covered

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

What is not covered

  • Injury to members of the public
    If a member of the public is injured in the course of your activities, legal expenses insurance doesn’t cover this. If you require this type of cover for your business, you should consider obtaining the appropriate level of public liability insurance.
  • Property damage
    Professional indemnity doesn’t cover you for claims made against you for damage you cause to third party property. However, our public liability insurance could help protect your business from these types of claim.
  • Non-UK contracts
    If your contract doesn’t abide by UK law.
  • Fines or penalties
    The cost of any fines or penalties are not covered.

How to arrange legal expenses cover

With Markel Direct, it is easy to set up cover. You can get a quote for commercial legal expenses insurance in as little as 90 seconds by providing a few important details about your business. There are no hidden fees or charges for cancellation, and you’ll have the option to spread the cost of your policy over 10 interest free instalments.

Get a quote online now, or call our insurance experts on 0371 705 1433.

How much does legal expenses insurance cost?

At Markel Direct, we offer legal expenses insurance from £6 a month*. When it comes to insurance, the legal expenses insurance cost varies from business to business depending on:

  • The size of your business - your turnover and whether you have any employees
  • The level of cover you choose
  • The types of projects you work on and the equipment you use

To get a clearer idea of how much you'll pay, simply get a legal expenses insurance quote online.

*Price based on a business consultant requiring £100,000 of legal expenses insurance.

Example policy documents

If you have an existing policy with us, please sign in to view your policy documents.

Below you will find examples of the documents provided.

Policy wording Policy wording

Indicative quotes

IT contractor / consultant

  • Limited company
  • 0 employees
  • £116,000 turnover
  • Luton
  • (£224.00/yr)
  • £22.40/mo
  • Legal expenses £100,000
  • Public liability
  • Professional indemnity £1m
  • Employers' liability

Business consultant

  • Limited company
  • 0 employees
  • £101,000 turnover
  • Norwich
  • (£281.68/yr)
  • £28.17/mo
  • Legal expenses £100,000
  • Public liability £1m
  • Professional indemnity £1m
  • Employers' liability

Builder (work to 10m height & up to 2m depth)

  • Limited company
  • 0 employees
  • £75,000 turnover
  • Leicester
  • (£276.82/yr)
  • £27.68/mo
  • Legal expenses £100,000
  • Public liability £1m
  • Professional indemnity
  • Employers' liability

*Final price payable is subject to underwriting criteria and acceptance. AI images are used on this website to depict example customer types. Any resemblance to an actual person is purely coincidental.

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Our simple quote process will help you to find the right business insurance for your individual needs.

Frequently asked questions

These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms. 

  • 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 Direct?

    Markel Direct 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 of London market insurer that wrote gross premium totals of £2.4bn in 2023.

    To talk about your insurance requirements and better understand our cover, call us on 0330 822 3558 or get a quick quote online.

  • When would I need professional indemnity insurance instead of legal expenses insurance?

    Legal expenses insurance and professional indemnity insurance cover different risks and both are worth considering for most businesses. Legal expenses insurance responds when your business is involved in a legal dispute: for example, a contract disagreement, an HMRC investigation, or an employment tribunal. It funds the legal costs of pursuing or defending that dispute.

    Professional indemnity insurance responds specifically when a client alleges that your professional advice, work, or services caused them a financial loss. For example, if you're a consultant whose recommendations led to a client suffering a financial setback, professional indemnity would cover your defence costs and any damages awarded, whereas legal expenses insurance would not.

  • How are Markel Direct regulated?

    Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.

    We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023.

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