* Average price paid by customers between 01/01/20 to 30/06/20

What is legal expenses insurance?

If you find yourself in need of legal help, legal expenses insurance will help you access the expert counsel and advice that you need. From a 24/7 helpline on tax and legal, to compensation and defence costs paid if your case goes to court, it will support you to manage costs.

It’s an add-on you can apply to your business insurance. With it, you’ll get additional cover to support you in case of a claim – helping you to manage fees if someone makes a claim against you, or you pursue a claim against someone else.

Legal expenses insurance will provide expert legal advice and settle the costs of the dispute.

What does legal expenses insurance cover?

There’s a broad range of cover included to handle costs of a legal dispute either made by or against you. From an issue with a supplier contract, an employment dispute, property damage or a personal injury claim, our legal expenses insurance will help protect your business from the huge expense of professional fees.

We offer cover for disputes relating to:

  • Contracts
  • Criminal prosecution
  • Data protection
  • Employment
  • Personal injury
  • Property
  • Statutory License Protection
  • Tax Protection and VAT

We can provide expert legal advice and cover the costs of the dispute – as long as there is a reasonable prospect of success. You must contact our legal team at the outset of a dispute.

Not what you’re looking for? Take a look at our home and car insurance pages.

Why do I need this in addition to my business insurance?

There can be many legal issues that arise that require professional support.

These won’t be covered by standard business insurance cover, such as employers’ liability and public liability.

Legal expenses insurance offers the most comprehensive protection against unexpected legal disputes arising from a range of issues or legal processes – meaning you’re protected against a wide array of possible legal issues.

Does my business need legal expenses insurance?

Every business will need assistance with legal disputes at some point. It may not be today or tomorrow, but one day it’ll happen. And if you think about other kinds of insurance you may have like car, home or travel insurance – there’s always some form of legal cover included.

There are plenty of legal risks that go along with running a company. Whether there’s a sacking or dispute, a data protection issue or someone is injured – you’ll be able to rely on the support you’ll get from our legal expenses cover.

A legal dispute can come out of nowhere – from a supplier, an old employee or even the tax man. But however big or small the dispute is, the costs involved in either defending or pursuing legal issues can build up quickly. You need to talk to the specialists as quickly as possible – and let us help you as soon as possible.

Legal expenses insurance could protect you against unforeseen legal costs that could damage your business. Plus, you’ll have access to expert legal advice 24/7.

How much does legal expense cover cost?

Your business is unique, and because of that, faces a uniquely specific set of challenges. That makes it difficult to put a one-size-fits all price on the cover that’ll be right for your business. Remember, though legal expenses must be purchased as an add-on to your standard business insurance – the breadth of cover it gives you is almost invaluable.

The quickest way to find out your price? Get a quote online – it’ll take a few minutes, and you’ll get a 10% discount for purchasing through the website.  

How much legal expenses cover will my business need?

With our legal expenses insurance cover, we’ll offer up to £1 million cover, and up to £100,000 with any one claim.

What isn’t covered by legal expenses insurance?

If our expert legal team doesn’t think you have a reasonable chance of success, then we won’t cover you. Similarly, we can’t cover costs incurred without consent from us first, or for fines or penalties imposed by a court or tribunal. For a full list of exclusions, please see our policy documents.

If in doubt, always contact our legal expenses outline in the first instance, so you’re clear on what to do next.


What kinds of insurance can I get with my legal expenses add-on?

Build your own bundle of AXA insurance to meet your unique needs. This means you only pay for what you need and nothing more. Find out what other options might suit your business below:

Public liability insurance

You’re responsible for the welfare of every customer or visitor. Public liability keeps you covered for up to £5 million if a member of the public is accidentally injured or their property gets damaged while dealing with your business.

Find out more about public liability insurance

Professional indemnity

Protects you from compensation payments and defence costs if a client thinks you’ve made a mistake or given bad advice and makes a claim against you.

Find out more about professional indemnity insurance

Employers’ liability insurance

If you have anyone working under your supervision, including full-time, part-time staff, volunteers or apprentices, you’re legally required to have this cover.

Find out more about employers liability insurance

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* Average price paid by customers between 01/01/20 to 30/06/20