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Legal Expenses Insurance


Legal Expenses Insurance isn’t as well-known as some other types of cover, but the UK’s savvy trades business owners rely on it when legal troubles come knocking at their door.

Legal Expenses Insurance is there to protect you from the costs associated with legal disputes and court cases, and if you’re a tradesperson, having it might just save your business.

As a self-employed tradesman or business owner, there’s a good chance you’ll come up against legal risks and disputes from time to time. This valuable policy will cover things like solicitor’s fees and the cost of going to court and give you access to ongoing legal assistance and advice to help smooth your path.

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  • Up to £50,000 of cover for a wide range of legal disputes
  • £100 per person, per day, for jury service (up to a maximum of £1,000)
  • Access to legal helpline
  • Instant cover with documents issued immediately
  • Purchase as an add-on to your Public Liability Insurance 
  • Monthly or annual payment options – no extra fees
  • UK telephone support

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Does my business need legal expenses insurance?

You’re likely to benefit from Legal Expenses Insurance if you run a small or medium sized trades business. This is because legal challenges are relatively likely, but it’s unlikely you’ll have a huge pot of money set aside to tackle these legal issues when they arise.

Remember, Public Liability Insurance and Employer’s Liability Insurance doesn’t cover many legal issues that are common among trades businesses. This is why it’s advisable to take out specialist cover.

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What does legal expenses insurance cover? 

Legal Expenses Insurance covers all manner of legal difficulties which are common among trades businesses. 

For example, imagine if an employee whose contract you terminated started the proceedings to sue you for unfair dismissal? Where would you turn? And what about if you accidentally forwarded an email with sensitive customer data on it and ended up in hot water with GDPR? With Rhino’s Legal Expenses Insurance in place, you wouldn’t need to sweat it. You would have access to a legal helpline and up to £50k in legal defence costs at your disposal, meaning you’d be ready to defend your business against whatever the world has to throw at it.

With Rhino’s Legal Expenses Insurance, you can benefit from up to £50,000 cover for Legal Expenses for the following:

  • Employment Disputes;
  • Health & Safety Prosecutions;
  • Criminal Prosecution Defence;
  • Property Disputes;
  • Data Protection;
  • Personal Injury;
  • Debt Recovery;
  • Restrictive Covenants; and
  • Wrongful Arrest Defence.
  • Up to £100 per day and maximum of £1,000 for any one claim should you be called for jury service.

For full terms and conditions, please refer to the Policy Wording.

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How much does legal expense cover cost?

You can take out Rhino’s great cover starting at just £77.28 per year or £6.44 per month. The only way to know for sure what your cover will cost you is to get a personalised quote from us. You can do this in just a minute or two using our online quick quote generator, or pick up the phone and talk to us on 0116 350 1549.

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Below are some examples that may be covered under a Legal Expenses Insurance Policy:

  • An employee brings a claim against you for wrongful dismissal and you are required to defend yourself at an employment tribunal.
  • You become subject to criminal prosecution under Health & Safety legislation following an accident at work or need to appeal against the service of an Improvement Notice or Prohibition Notice.
  • You are called to attend jury service, in which case the policy will provide cover for your loss of earnings up to £100 per day, £1,000 per claim.
  • You are required to pursue or defend legal proceedings in relation to the rightful ownership or possession of property (land and/or buildings).
  • You, a director or employee of your business suffers personal injury as a result of the actions of a third party and wish to pursue damages from that third party.

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You also get access to our Business Support advice lines which provides unlimited access to our expert advisors for support on any tax, employment and Health & Safety or legal issues that you or your business encounter.

Need more help understanding Legal Expenses Insurance? Call Rhino today on 0116 243 7904 or start a live chat with us now.




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Legal Expenses Insurance FAQs

Most of us wouldn’t know where to start if we found ourselves in need of legal support. This is why Legal Expenses Insurance is so valuable. It offers practical advice and support as well as a £50,000 kitty to use to call in the professionals.

For a small outlay each month, you can have the peace of mind that comes with knowing that whatever happens legally, you’re not alone.
Legal Insurance won’t cover third party liability claims (you’d need Public Liability Insurance for that) or claims for injury or property damage brought by employees (that’s where your Employer’s Liability Insurance will come into its own).

Always read the Policy Wording documents carefully, as exclusions apply. For example, this insurance won’t pay out if you have engaged in wrongdoing or fraudulent activity or it’s very unlikely you won’t win your case.
You can, and if you run a small trades business, then you should. 

Insurance for legal costs will be the guardian angel you need if you run into trouble in a whole range of areas, from employment disputes, property disputes to health & safety prosecutions. It’ll even pay you if you get called up for jury service and can’t make your regular income temporarily.

Rhino makes buying Legal Expenses Insurance simple. You can either buy it as a standalone policy, or purchase it as a handy add-on to your core Public Liability Insurance with us. With Rhino, you can buy online in just a few clicks and get the relevant policy documents and virtual ‘paperwork’ sent to your inbox in seconds.

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Tell us your trade and get a tailored insurance quote for your business in seconds


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