landlord insurance

Legal expenses exclusions and limitations

Please refer to the policy document for terms and conditions.

The following exclusions and limitations apply to the landlord’s legal expenses cover:

• Employment contract cover exclusions

  • disputes which occur within the first 3 months of inception of this cover
  • disputes with an employee who was subject to a warning in the 6 months preceding the inception of this cover
  • disputes over redundancy
  • any dispute that you have not discussed with Lawphone before you take any action
  • disputes involving sub-contracting or contracts for services with self-employed persons

• Property cover exclusions

  • claims relating to mining or subsidence
  • property damage arising out of a contract you have with another person or organisation

• Prosecution Defence cover exclusions

  • allegations of dishonesty or intentional violence

• Tax and VAT cover exclusions

  • costs involving the normal reconciliation of your accounts and VAT returns
  • allegations of criminal activities by the Insured
  • representations during an in-depth investigation
  • anything to do with an investigation by the Inland Revenue Special Investigation Section or Special Compliance Office
  • anything to do with an investigation which started before inception of cover
  • where your accounts or returns have only been investigated because earlier accounts have been investigated

• License Protection cover exclusions

  • hearings arising out of any commercial decision made by you
  • the first application for, or standard renewal of the license
  • anything to do with drug offences
  • Anything to do with under age drinking

• Personal injury cover exclusions

  • personal injury disputes between you and any employee(s)

• Exclusions applicable to all covers

  • disputes over rent, business rates or service charges
  • any injury, damage, prosecution or appeal relating to owning or using a motor vehicle
  • any fines or penalties
  • any application for a judicial review
  • disputes relating to share rights
  • anything relating to franchise or distribution agreements
  • costs we have not agreed in writing
  • costs paid directly to the legal representative or anyone else without our permission
  • VAT which can be recovered from elsewhere
  • disputes or claims arising from the deliberate, conscious, intentional or careless disregard by you of the need to take all reasonable steps to avoid, prevent and limit any such dispute or claim
  • any pollution incident
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