Legal Expenses Insurance

Cover the costs of legal disputes with suppliers, staff, clients or even HMRC.

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Legal and legal service

What is Legal Expenses Insurance?

This is essential protection for all contractors, freelancers and sole traders, especially those working in the IT sector. It will cover you for all expenses should HMRC ever open an enquiry into your accounts. These enquiries can prove extremely costly. But with legal expenses cover from Tapoly, you’ll be able to rest assured that all fees will be taken care of from day one.

Your legal expenses cover also includes access to a legal document template library. So for the most comment documentation you might need for your business, you’ll be able to quickly download a template for free.

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What does it cover?

Adding Legal Expenses insurance to a policy covers for legal costs arising from:

  • Employment disputes (if Employer’s Liability is also purchased).
  • Tax investigations.
  • Legal nuisance, trespass or damage to property.
  • Legal defence.
  • Compliance and regulation.
  • Loss of earnings.
  • Contract and debt recovery.
  • Crisis communication.
  • Employee identity theft.

Includes access to a legal document template library to help you with most legal issues.

Do I Need Legal Expenses Insurance?

It’s not legally required in the UK, but it’s highly recommended if you:

  • Provide advice, professional services or products.
  • Handle sensitive client information or data.
  • Work as a freelancer, contractor, or consultant.

Some clients and professional bodies may require it before you start a project.

Your legal expenses cover also includes access to a legal document template library. So for the most comment documentation you might need for your business, you’ll be able to quickly download a template for free.

The legal document library includes templates for:

  • Employment contracts
  • Health and safety
  • Business start-up
  • HR notices and letters
  • Sales agreements

And much more.

The cost (or “premium”) will depend on several factors including the type of work you’ll be carrying out, the level of cover that you have requested and how long you need cover for.

If you don’t have this protection then you could be liable for any costs relating to any claim or dispute.

There are exceptions for every type of legal expenses cover provided by the policy. For example, you won’t be covered for tax fraud investigations, or for a failure to register for VAT. Other types of legal defences are covered apart from claims relating to parking offences. When it comes to contract and debt recovery, you’re not covered for any debts less than £200.

Need more help?

Our online quote is fast and simple but, if you need help or a wider range of policy options, our team of experts.

Call us today: 020 7846 0108

9am to 5pm Monday to Friday.

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Why choose Tapoly?

Accessible Coverage

Get the protection you need, whenever you need it, with our easy-to-use online platform.

Affordable Pricing

Designed to fit your budget, ensuring you’re protected without breaking the bank.

Flexible and tailored

Choose coverage that grows with your business, from professional indemnity to public liability and beyond.

Learn more about insurance