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Legal Expenses Insurance

Shield your business with legal expenses cover, included with your policy at no extra cost.

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Excellent 4.7 out of 5

Professional Saver’s Legal Expenses Cover

 

Included as standard with our public liability policy


Our standard cover is:

  • Up to £250,000 for legal costs and expenses
  • A legal helpline which is open 24/7
  • A tax helpline that is manned by tax experts during office hours
  • Business legal services online to help you build and download legal documents relating to your business, such as employment contracts and health and safety policies
  • A confidential staff counselling helpline

As a professional offering advice and services, your business can face substantial legal disputes and compliance investigations even if you have done nothing wrong. Complex legislation around areas like tax, data protection and employment combined with a rise in litigation means professionals, on average, now face legal costs of £8,500 per case.

Our legal expenses insurance is designed to cover fees like lawyers, court and expert witness expenses, so any disputes do not cripple your finances. We make legal protection accessible even to small firms.

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Why choose Professional Saver legal expenses insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

What Is Legal Expenses Insurance?

Our legal expenses insurance covers costs defending civil, employment and tax disputes, including:

  • Lawyer fees
  • Court costs
  • Witness expenses
  • Translation/interpreting costs
  • Hearing and tribunal costs
  • Expert witness fees
  • Appeal expenses
  • Legal document costs

We shield professionals against expected legal costs so you can defend disputes without financial strain. Our £250,000 cover limit allows us to appoint specialist lawyers on your behalf and run cases end-to-end.

Typical disputes covered include:

  • Client and public liability claims
  • Professional negligence allegations
  • Employment tribunals
  • Property/lease disputes
  • Tax/VAT investigations
  • Directors/shareholders disputes
  • Legal defence for criminal cases
  • Compliance appeals and challenges
  • Data protection violations
  • Commercial contract breaches

Essentially, whenever a legal professional is needed to protect your business interests, our insurance helps cover their costs.

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Why Does Legal Protection Matter for Professionals?

All professionals including advisers, consultants and service providers are vulnerable to legal disputes like:

Negligence claims – If advice or services provided are inadequate, clients can allege negligence to recover financial losses.

Employment tribunals – Discrimination, unfair dismissal, harassment and other employee disputes can lead to costly tribunals.

Regulatory issues – Investigations into compliance breaches around tax, data protection, health & safety etc. quickly rack up fees.

Commercial disputes – Disagreements over liability, contracts and provision of services/goods to clients can require legal resolution.

Defending allegations or asserting your rights across cases like these without legal expenses insurance could put your business under serious financial strain. Our professional cover supports you throughout this process.

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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

What Does Our Legal Expenses Insurance Cover?

We aim to be the most comprehensive legal expenses insurance provider for professionals. Our cover includes:

  • Civil Defence – Defence in disputes and litigation around professional negligence, client contract breaches, property issues and personal injury claims.
  • Employment Disputes – Cover for fees arising from employment tribunals or disputes over employment contracts.
  • Tax Disputes – Accountancy fees and tax advisor costs arising from full HMRC investigations or tax tribunals.
  • Property Defence – Pursuing or defending property disputes around possessions, contracts or rights.
  • Compliance & Regulation – Challenging any enforcement/remedial action from regulatory bodies.
  • Statutory Licence Appeals –  Challenging any suspension, revocation or alteration of your professional operating licence.

Whether facing a lawsuit from an unhappy client, unfair dismissal claim from an ex-employee or full tax investigation from HMRC, our legal expenses insurance is designed to cover a law firm’s fees to resolve your case.

We also provide 24/7 access to a specialist legal advice helpline for guidance on disputes.

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Why Choose Professional Saver For Your Legal Insurance?

With more than 20 years’ experience covering UK SMEs, freelancers, consultants and the self-employed, you can trust Professional Saver to defend your livelihood. Our key benefits are:

  • Direct Specialists – We are a specialist broker, not just an online price comparison website. Our advisers find you tailored cover.
  • 24/7 Legal Helpline – Access expert legal advice whenever you need guidance on insurance matters.
  • Monthly Instalments – Spread insurance costs by paying monthly instalments.

We cover thousands of consultants, advisers and service providers. Get an instant quote online today or call us on 0208 006 2520 to speak with an advisor.

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FAQs

Legal Expenses Insurance FAQs

Typical legal disputes covered include:

  • Negligence claims from clients regarding flawed advice or services
  • Employment tribunal cases around discrimination, dismissal or harassment
  • Tax investigations into compliance breaches and irregularities
  • Commercial lawsuits over contract breaches and liability
  • Property/lease disputes over possessions, rights and rental contracts
  • Professional regulation contravention and licensing appeals

Essentially, any civil, employment or tax case requiring legal defence.

 

We cover all legal advice and representation costs like:

  • Lawyers and solicitors fees
  • Court, tribunal and hearing expenses
  • Expert witness and interpreters costs
  • Document and evidence expenses
  • Appeals and counterclaims costs

Any legal professional fees involved in resolving your business dispute.

 

We provide a generous £250,000 total cover limit for legal expenses to ensure even complex and lengthy business dispute cases can be funded to resolution by appointed law firms. This allows us to appoint specialists and run full legal defences for professionals facing substantial lawsuits or investigations.

 

Yes – our 24/7 legal helpline provides guidance from qualified professionals who fully understand what areas and scenarios our legal expenses insurance policies cover. They advise accurately on what disputes would be covered.

 

Alongside legal expenses insurance, professionals can also secure tailored and comprehensive:

  • Professional indemnity insurance
  • Public liability cover
  • Office equipment protection
  • Commercial property insurance

Please discuss your complete business insurance needs with our expert advisers.

 

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