tradesman insurance

Commercial legal expenses

For terms and conditions please refer to the policy document

Commercial Legal Expenses is an optional cover underwritten by DAS Legal Expenses Insurance Company Limited, designed to cover your legal expenses in certain circumstances. Cover applies under the following 6 headings:

• Employment disputes and compensation awards
• Legal defence
• Contract Disputes
• Property protection and bodily injury
• Tax investigation and VAT disputes
• Statutory Licence Protection

Cover limit £60,000 any one claim; maximum limit of £1m in any one period of insurance for Employment Compensation Awards.

Significant Exclusions or Limitations for Commercial Legal Expenses:

• Employment disputes and compensation awards
  • Disputes where the cause of action arises within the first 90 days of the cover provided. See Exclusion 1 to Insured Incident 1 (A) of Section 6.
  • Disputes with an employee who was subject to a written or oral warning (formal or informal) within 180 days immediately preceding the inception date of the cover provided. See Exclusion 2 to Insured Incident 1 (A) of Section 6.
  • Redundancy or alleged redundancy or unfair selection for redundancy arising within the first 180 days of the cover provided. See Exclusion 3 to Insured Incident 1 (A) of Section 6.
• Legal defence
  • Prosecutions for motoring offences. See Exclusion to Insured Incident 2 of Section 6.
• Contract disputes
  • Letting and tenancy agreements are excluded. See Exclusion 2 b) to Insured Incident 3 of section 6.
  • Disputes from a loan, mortgage, pension or investment are excluded. See Exclusion 2 c) to Insured Incident 3 of section 6.
  • Contracts involving a motor vehicle are excluded. See Exclusion 2 d) to Insured Incident 3 of section 6.
• Property protection and bodily injury
  • Contracts entered into by you. See Exclusion 1 to Insured Incident 4 (a) of Section 6.
  • Goods in transit lent or hired out by you. See Exclusion 2 to Insured Incident 4 (a) of Section 6.
  • Goods not at your premises unless you are using them. See Exclusion 3 to Insured Incident 4 (a) of Section 6.
  • Damage to or caused by motor vehicles unless your business is selling them. See Exclusion 6 to Insured Incident 4 (a) of Section 6.
  • Injury caused by a motor vehicle. See Exclusion 6 to Insured Incident 4 (a) of Section 6.
• Statutory Licence Protection
  • Any licence appeal relating to the ownership, driving or use of a motor vehicle. See Exclusion 2 to Insured Incident 6 of Section 6.