Our Commercial Legal Protection policy provides comprehensive protection for businesses of all sizes. Cover can be arranged as a stand-alone individual policy and can also be offered alongside or automatically included within a business insurance policy through a broker or insurer scheme. Elements of the policy are as follows:

Employment Disputes and Compensation Awards

  • A dispute with an employee, ex-employee, prospective employee or alleged employee relating to a contract of employment or a breach of employment legislation.
  • Awards of compensation made against the policyholder at a court or tribunal or under a settlement agreed by us.

Breach of Restrictive Covenant

  • A dispute with an employee or ex-employee following their breach of a restrictive covenant in their employment contract.

Defence of Legal Rights

  • Defence of an insured person’s legal rights prior to the issue of legal proceedings if suspected of committing a criminal offence.
  • Defence of a criminal prosecution against an insured person.
  • Regulatory or professional body disciplinary hearings.
  • Defence of a civil action for compensation under Section 13 of the Data Protection Act.
  • Defence of a civil action taken against the policyholder relating to wrongful arrest following an accusation of theft.
  • Appeals against the imposition or terms of a Statutory Notice.
  • Appeals against the refusal of the Information Commissioner to register the policyholder’s business.
  • Defence of a civil action taken against employees for unlawful discrimination or as trustee of the policyholder’s pension fund.

Protecting Your Property

  • Pursuing or defending a claim following a nuisance or a trespass.
  • Pursuit of a claim for damages following an event causing physical damage to the policyholder’s property.
  • Recovering possession of premises from an employee or ex-employee.

Tax Investigations and Disputes

  • Representing the policyholder in an HMRC tax investigation.
  • Representation in a dispute with HMRC regarding compliance with PAYE or social security regulations.
  • Representation in a dispute with HMRC regarding a VAT assessment.

Personal Injury

  • Pursuit of a personal injury claim on behalf of an insured person.

Jury Service & Witness Expenses

  • An insured person’s lost salary or wages whilst attending jury service or as a witness in a claim under the policy.

Statutory Licence Appeal

  • Appeals against the suspension, cancellation, alteration of a statutory licence or refusal to renew the statutory licence.

Contract Disputes

  • Pursuing or defending a legal action relating to a contract entered into by the policyholder for the purchase or sale of goods or services.

Recovery of Undisputed Debts

  • Recovery of a debt owed to the policyholder.

Commercial Legal Advice Helpline

  • Advice over the phone on any legal problem affecting the business under the laws of the UK, Isle of Man or the Channel Islands.

Tax Advice Helpline

  • Advice over the phone on tax matters affecting the business under the laws of the UK, Isle of Man or the Channel Islands.

Counselling Helpline

  • Telephone counselling for employees on matters causing distress and anxiety.

Limit of Indemnity

  • The standard limit of indemnity is £100,000 per claim.
  • An optional £250,000 limit of indemnity is available.
  • The annual aggregate limit for Employment Compensation Awards is £1 million.

Territorial limit

  • The cover applies throughout the UK, the Isle of Man and the Channel Islands. Certain covers are also extended to member states of the EU, Norway and Switzerland.


For more information, please see the Commercial Legal Protection Scheme BTE Product Key Facts Sept 16