landlord insurance

Legal expenses features and benefits

Please refer to the policy document for terms and conditions.

Our landlord’s legal expenses insurance cover provides the following:

• Basic cover provides you with the legal advice and protection from the professional costs and expenses of legal actions which may arise including:
• Legal advice help line - access to Lawphone which provides advice on all business related legal matters
• Prosecution defence - covers costs up to £50,000 for defending your legal rights after an event which arises out of your business activities and results in criminal proceedings. You are responsible for 10% of all unrecovered costs
• Property - covers the costs up to £50,000 of taking legal action relating to damage to your business premises. You are responsible for 10% of all unrecovered costs.
• Jury service - provides up to £100 per day for a maximum of 20 days to cover any shortfall in your salary or wages as a result of attending jury service

Cover can also be extended to include the following:

• Employment contract - covers the cost up to £50,000 of defending disputes relating to contracts for full or permanent part time employment. Cover includes any resulting award a court or tribunal orders you to pay up to £25,000. You are responsible for 10% of all unrecovered costs.
• Commercial tenancy disputes - costs up to £50,000 in taking legal action over the agreement under which you let property to the tenant of non residential property. You are responsible for 10% of all unrecovered costs
• Tax and VAT - covers the costs up to £25,000 of an appeal against the Inland Revenue or HM Customs following an in-depth investigation into your most recent PAYE, business tax or VAT accounts. You are responsible for 10% of all unrecovered costs.
• Licence protection - costs up to £50,000 of defending the withdrawal, restriction or suspension of your business licence. You are responsible for 10% of all unrecovered costs.
• Personal injury - covers costs up to £50,000 of taking legal action against another person who causes death or bodily injury to you