Personalised Business Insurance For Legal Expenses
If you choose to work in the hairdressing, beauty, holistic or health & fitness sector, running a successful business is no easy task. You’ve put in hours of hard work to build your business from the ground up and it’s daunting to think that it could be pulled down by an unexpected legal hurdle. Whether it’s a surprise visit from the taxman or an employee setting up on their own and taking your clientele, dealing with legal issues can be not only expensive but incredibly time-consuming – exactly what you want to avoid when you’re rushed off your feet already.
And this is where legal expenses insurance comes to your aid. Designed to help shoulder the burden of a wide variety of legal headaches, legal expenses protects your business from unforeseen legal costs that can hit you out of the blue, no matter how carefully and responsibly you operate.
It includes legal wrangles such as employment disputes, tax investigations, VAT appeals, defence or prosecutions, property disputes and representation for compliance and regulatory matters (including health and safety) issues. It can save a great deal of stress and free up a lot of precious time that’s better spent growing your business, safe in the knowledge that your insurer will look after your best interests. It’s around the clock protection.
What do you get with legal expenses insurance
The silver package includes:
- £100,000 cover for tax protection including cover for tax & VAT investigations by HMRC
- 24-hour legal, tax and counselling helplines
- Access to a free to use legal services website
The gold package includes all the cover in the silver package plus £100,000 worth of cover for the following (unless otherwise stated):
- Employment Compensation Awards
- Employment Restrictive Covenants
- Tax Protection
- Legal Defence
- Compliance and Regulation
- Statutory Licence Appeals
- Loss of Earnings
- Personal Injury
- Executive Suite
- Crisis Communication (up to £10,000)
- Legal & Tax Advice
- Counselling Helpline
Which type of Salon Gold policy do I need?
Find out which insurance policy is right for your business by clicking below.
We cover treatments and trades in the beauty, holistic, fitness and counselling sectors
- Barber Insurance »
- Beauty Therapist Insurance »
- Counselling/Psychotherapy »
- Face Painting »
- Gym Instructor/Personal Trainer »
- Hairdresser Insurance »
- Holistic/Complementary Therapist »
- Homeopath Insurance »
- Make-Up Artist Insurance »
- Nail Technician Insurance »
- Nutritional Therapist Insurance »
- Student Insurance »
- Trichologist Insurance »
- Abe Healing Insurance
- Acid Peel Insurance
- Acupressure Insurance
- Acupuncture Insurance
- Addiction Therapy & Counselling Insurance
- Advanced Electrolysis Insurance
- Advanced Sound-Wave Therapy Insurance
- Advanced Waxing Insurance
- Aerobics Instructor Insurance
- Alexander Technique Insurance
- Allergy Testing Insurance
- Angel Card Reading Insurance
- Angel Therapy Insurance
- Aqua Detox Insurance
- Aromatherapy Insurance
- Art Therapy Insurance
- Art Tutor Insurance
- Astrology Insurance
- Audio Sonic Insurance
- Aura Imaging Photography Insurance
- Auricular Acupuncture Insurance
- Aurora Therapy Insurance
- Ayurveda Insurance
For Salons & Fixed Premises
- Business interruption »
- Contents cover »
- Employer’s liability »
- Exhibition Cover »
- Failure of electric, gas & water supply »
- Failure of telephone line »
- Glass cover »
- Goods in Transit »
- Legal expenses cover «
- Money cover »
- Personal accident for hands »
- Products liability »
- Professional Treatment Risk »
- Public liability »
- Stock cover »
- 24 hour crisis & legal helplines «
Legal Expenses FAQs
What is legal expenses insurance?
Legal expenses insurance covers you for a wide range of problems you could find yourself faced with in the course of running your business. It’s designed to help you get legal advice as early as possible to prevent a problem arising. For more serious problems, it will provide cover for legal representation and legal expenses if you need to take the matter to court.
Why do you need legal expenses insurance?
No matter how well you run your business, you can still get caught up in legal problems at some point and need help. Should an issue arise, such as a tax investigation or a property dispute, you need to be insured to reduce the risk of a large pay out. Legal expenses insurance costs a tiny fraction of what it could save you.
How much does legal expenses insurance cost?
Legal expenses insurance is included automatically as part of any Salon Gold salon insurance policy. However, it can be added as an optional extra to any other Salon Gold, Holistic Gold, Fitness Gold or Counselling Gold freelance or mobile insurance policy at an additional cost. There are two levels of cover available for freelance and mobile professionals – a silver package and a gold package – and these offer different levels of legal expenses protection.
How do I go about making a claim on my legal expenses insurance?
To make a claim on your legal expenses insurance policy, simply give us a call and let us know what’s going on, and we’ll be able to swiftly guide you through the process.
What if an employee walks off with your clients?
A ‘restrictive covenant’, put simply, is a clause in a contract which prohibits an employee from competing with their ex-employer for a certain period after the employee has left the business. It can also prevent the ex-employee from soliciting or dealing with customers of the business, using knowledge of the customers gained during their prior employment. In the case of salon owners and freelance and mobile professionals, this is particularly relevant as it prevents employees from leaving the business, setting up a competing salon or business down the road and taking their previous employer’s clients with them. With our legal expenses cover, salons that purchase their policy online will automatically get cover for restrictive covenant disputes, so, as long as the salon puts this clause in the employee’s contract, if the employee does this anyway, the salon owner will have backing to chase this through the courts through their legal expenses cover. In the case of freelance and mobile professionals, this particular cover is only available on our gold legal expenses package.
Our legal expenses helpline can provide assistance with employment contracts to ensure that any restrictive covenants are included in the employee’s contract correctly.
What does ‘reasonable prospects of success’ mean and why does this matter when I’m claiming on my legal expenses insurance?
Once your claim has been accepted, it will usually be assessed by a lawyer in order to ensure the case will likely succeed in court. This is called ‘reasonable prospects of success’ and it is a normal part of the legal process. An initial assessment is made on the ‘prospects of success’. This can change as new evidence comes to light, but providing your lawyer believes you’re more likely than not to win your case, your legal expenses insurance will cover the court costs. However, there are some circumstances in which ‘reasonable prospects of success’ doesn’t apply, such as criminal cases.
Can I claim for a dispute which started before I bought my legal expenses insurance policy?
Unfortunately, no. Your legal expenses insurance will only cover you for disputes that have arisen after the policy start date – this includes cases like employment-related claims, where you may have reached a point where you need legal assistance after buying the policy although the original dispute started before the policy commenced. Please do bear in mind however that the 24 hour legal helpline is on hand to provide assistance, even if the claim will not be covered by the policy.
What are the benefits of having legal expenses insurance?
The benefits of Salon Gold, Holistic Gold, Fitness Gold and Counselling Gold’s legal expenses cover includes:
- No upfront solicitor’s fees: the insurer will pay the solicitor’s fees directly to them, so you won’t have to pay anything upfront
- Alternative to legal aid: legal aid can be difficult to secure since you have to be in a low income bracket to get it, and it isn’t available for any employment disputes, which tend to be responsible for a large number of legal claims, so legal expenses provides a safety net.
- 24-hour assistance: as part of our legal expenses package, we offer 24-hour legal advice helplines, which can be useful if you need points of law clarified, so you can approach an individual or organisation with accurate information. If you take legal advice every step of the way when you see a problem coming, it can help to prevent full legal action being taken.