Page 35 - Microsoft Word - Sparta A4 Product Flyers March 2020

Commercial Legal (+/- Contract Work) Cover

This is a legal expenses insurance contract designed to o The most the insurer will pay for any one insured
provide advice and representation for your business and, for incident arising at the same time or from the same
some insured incidents, your employees, in legal disputes originating cause is £100,000.
arising out of your business activities. We will select an
appointed adviser of our choice to deal with your claim. o The most the insurer will pay for all employment
compensation awards is no more than £1,000,000
Where it is necessary to issue legal proceedings or if a in total for any one period of insurance.
conflict of interest arises, you are free to nominate a legal o We will not cover any event or dispute you were
representative of your choice (other than claims where the aware of before this insurance started.
insurer is liable to pay an award of compensation). o The insurer will not pay any costs incurred before
Insured Incidents Include:- we have accepted your claim or costs which we
have not authorised in advance.
1. Employment Disputes o There must always be more than a 50% chance that
2. Employment Compensation Awards your claim will have a successful outcome.
3. Breach of Restrictive Covenant o Your chosen legal representative must agree to our
4. Defence of Legal Rights standard adviser’s terms of appointment and the
5. Protecting Your Property most the insurer will pay is no more than the
6. Tax Investigation & Disputes amount that would have been paid to our own
7. Personal Injury choice of appointed adviser.
8. Jury Service & Witness Expenses
9. Statutory Licence Appeals
10. Recovery of Undisputed Debts

• Helpline services for commercial legal & tax advice
• Counselling on matters causing distress