Providing legal services and insurance, Essential Business Legal covers legal expenses if your business is involved in certain legal disputes. Alongside the core legal expenses insurance, Essential Business Legal provides a range of services and benefits your business.

Features include confidential Legal Advice on business matters with 24/7 access to a legal helpline, a dedicated Tax Advice line to assist with all tax-related issues, a Counselling Helpline staffed with trained counsellors to provide employees with help and support over the phone and online Business Legal Services allowing for you to personalise and download a wide-range of legal documents.

Essential Business Legal responds to a generous range of legal disputes that can arise from your clients’ day-to-day business activities.

What kind of cover is available under Essential Business Legal?


  • Employment Protection and Compensation Awards which provides protection from disputes with past, present or prospective employees, including payment of legal costs and compensation awarded by the courts.
  • Tax Protection which covers a formal aspect or full enquiry into your clients’ business tax affairs, PAYE compliance disputes and appeals against an assessment by HM Revenue and Customs relating to VAT.
  • Property which pursues legal claims relating to physical property damage, nuisance or trespass, and recovery or repossession of property from an employee or ex-employee.
  • Compliance and Regulation which helps to defend the insured from business-related prosecution, civil action brought under the DPA and provides cover to appeal against a decision to cancel suspend or restrict the terms of a statutory licence.
  • Employees’ Extra Protection which provides cover to defend employees against civil actions alleging unlawful discrimination, pension fund trustees cover and cover to pursue a claim if they are injured while on business.
  • Contract and Debt Recovery to protect you if a customer or supplier doesn’t fulfil a contractual agreement.

Maximum amount payable: £100,000

Exclusions, limitations and excesses apply; please refer to the Essential Business Legal Policy Wording for full details. For more information about this specialist cover, please contact our dedicated insurance specialists.