Commercial Legal Protection
Cover Details
Standard Cover Details
Commercial Legal Protection is available as a section under the Norwich Union segmented product range.
Employment Disputes and Compensation Awards
Employment law is constantly changing and is becoming increasingly complex and confusing. As a business person you will know that keeping up with these changes is a full time job. We will defend your legal rights under employment legislation and following a successful action by an employee, prospective employee, alleged or ex-employee, we will pay any compensation award made. We will also negotiate for your legal rights against an employee or former employee to recover possessions or premises owned by you or for which you are responsible.
There is no waiting period, which means cover is operative immediately.
Legal Defence
This cover will defend you or an employee acting on your behalf if any criminal action or certain civil action is taken against you for any non-motor related incident arising in connection with the business. This includes cover in the event of prosecution under the health and safety legislation, data protection rules and in the event of wrongful arrest.
Cover includes appealing against the imposition of a statutory notice issued under legislation affecting your business. Also covered is defence against civil proceedings taken against your employees for unlawful discrimination - this will ensure your employees are protected if they are drawn into a dispute over an accusation of discrimination.
Property Protection
This cover provides protection for civil action following any event causing or likely to cause physical damage to your property or any nuisance or trespass. It also includes defence or appeal against judgements.
Bodily Injury
This cover is provided to negotiate your, your employees or family members legal rights, following bodily injury not involving a motor vehicle in connection with the business.
Tax Protection
We will represent you in any appeal proceedings with the Inland Revenue in a full or aspect enquiry following your corporation tax self-assessment return. Representation for appeal proceedings with HM Customs and Excise in respect of Value Added Tax due is also included.
Optional Covers:
Contract Disputes
Cover is provided to negotiate disputes relating to a contract you have entered into with a customer or supplier in respect of the purchase or sale of goods or services where the amount in dispute exceeds £250. Cover includes all current contracts irrespective of when you entered into the contract (some policies only cover disputes for contracts entered into after the inception of the policy).
Tenancy Disputes
Cover for negotiating for your legal rights in a tenancy dispute between you and your landlord not relating to rent, service charges or renewal of the tenancy agreement.
Statutory Licence Protection
Representing you in any appeal to the relevant statutory or regulatory body, court or tribunal following the suspension, revocation, alteration or refusal to renew your statutory licence.
Debt Recovery
Cover to negotiate your legal rights including enforcement of judgement to recover money and interest due from a customer or supplier following the sale or provision of goods or services where the amount in dispute exceeds £250.
The Claims Service
The claims service for the Commercial Legal Protection policy is administered by DAS Legal Expenses Insurance Company Ltd (DAS) on our behalf. DAS are the UK's leading legal expenses provider with many year's experience in dealing with legal disputes on behalf of customers.
If a solicitor is required to deal with your legal problem, DAS will appoint one from their approved panel of solicitors. These solicitors have been carefully chosen as experts in the areas of the law covered by the policy and are required to comply with service standards set by DAS.
