*The guidance is provided on behalf of AXA by Arc Legal Assistance Ltd who are authorised and regulated by the Financial Conduct Authority.

What is legal expenses insurance?

Legal expenses insurance is an additional cover that we offer. If you find yourself in need of legal help. Legal expenses insurance will help you with various things, such as;

  • Covering the costs of hiring a solicitor to take the claims mentioned to court**
  • Compensation and defence costs paid if your case goes to court
  • Help to manage fees if someone makes a claim against you, or you pursue a claim against someone else

Can I buy legal expenses insurance?

Legal expenses is an additional cover that we offer alongside our core products. This means that it can’t be bought as a standalone cover, but you can certainly add it on to any of our products.

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

For example, what would happen if you were to have a claim lodged against you for unfair dismissal? Or because an employee feels as though they have faced discrimination in the workplace? What about if a customer’s confidentially is broken due to a data breach in your business? Legal expenses insurance is there to have your back in these, and many more, cases.

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.

Does business insurance cover legal costs?

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?

The quickest and easiest way to find out what you can expect to pay by adding this cover to your policy is to get a quote online. It only takes a few minutes - and you can save 10% by getting your quote online.

There are various things that can affect the cost of your quote. The most common ones are the size of your business and the word you do.

Is legal expenses insurance worth it?

If your business deals with people, or handles sensitive customer or client information, legal expenses insurance can help. With our 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.

If you haven’t follow due process when making a claim. For a full list of exclusions, please see our policy documents.


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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**Cover provided if your case is accepted and you have been found to follow the required rules.