Legal Expenses Insurance

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Don’t Wait For Legal Issues To Creep Up On You

Regardless of whether you work in the salon, hair or beauty, holistic, health or fitness industry, running a successful business is no easy task. You’ve put in hours of hard work to build your business from the ground up – which is why it can be incredibly daunting that it could be quickly torn down by any number of unexpected legal hurdles. Whether it’s a surprise visit from the taxman or a stylist breaking their restrictive covenant, 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 protect your business from a variety of legal matters, including employment disputes, tax investigations, VAT appeals, defence or prosecutions, property disputes and representation for compliance and regulatory matters (including health and safety), legal expenses insurance is there to help shoulder the burden. This means you can focus on running your business, while safe in the knowledge that your insurer will look after your business’ best interests. It’s around the clock protection, 24 hours a day.

For 30 years, we’ve been working with businesses like yours to continually improve. The result? Tailor-made insurance policies, made for specialists, by specialists.

Experience

We listen and care about your opinion. You know your business best, so we use all your feedback and strive to create something better.

We listen

We want to see you succeed, but accidents sometimes can and do happen. If you’re dealing with a crisis, our 24/7 helplines will smooth you through, day or night.

Passionate

Don’t you just hate call centres? We do too! We believe in a personal approach, so every call to us will only be answered by a member of our own expert team.

Here for you

Legal Expenses Insurance For Salons: What Do You Get?

We have different legal expenses packages available depending on whether you own a salon or work freelance or mobile. Our standard salon legal expenses policy includes, as a minimum:

  • 24-hour legal helpline
  • Property protection
  • Prosecution defence
  • Jury service

In addition to these covers, if you buy online with us, you also get cover for:

  • Employment disputes
  • Employment compensation awards
  • Restrictive covenant disputes
  • Representation for tax investigations and VAT assessments
  • Property disputes
  • Legal defence
  • Compliance and regulation – prosecution defence
  • Statutory licence appeals
  • Loss of earnings
  • Employees’ extra protection – employee defence in legal proceedings
  • Crisis communication costs (up to £10,000)
  • Legal/tax advice and counselling helplines
  • Access to a ‘free to use’ legal services website

Legal Expenses Insurance For Freelance & Mobile: What Do You Get?

With freelance and mobile, we have two legal expenses packages available; silver and gold. Legal expenses is an optional extra available on these policies.

Our silver package includes:

  • £100,00 cover for tax protection, including cover for tax and VAT investigations by HMRC
  • 24-hour legal, tax and counselling assistance helplines
  • Access to a ‘free to use’ legal services website

In addition to the cover provided under the silver package, our Gold package also includes £100,000 worth of cover for the following (unless otherwise stated):

  • Employment disputes
  • Employment compensation awards
  • Restrictive covenant disputes
  • Representation for tax investigations and VAT assessments
  • Property disputes
  • Legal defence
  • Compliance and regulation – prosecution defence
  • Statutory licence appeals
  • Loss of earnings
  • Employees’ extra protection – employee defence in civil proceedings
  • Crisis communication costs (up to £10,000)
  • Legal/tax advice and counselling helplines
  • Access to a ‘free to use’ legal services website

Legal Expenses Insurance: Frequently Asked Questions

How much does legal expenses insurance cost?

Legal expenses insurance is included as standard 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 for an additional fee. There are also two levels of cover available for freelance and mobile professionals – a silver package and a gold package – and these offer differing 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 is a ‘restrictive covenant’?

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 said 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 prevalent as it prevents employees from leaving the business, setting up a competing salon or business in the nearby area 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’, however 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. You do, however, need to bear in mind that 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 past 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, however the original dispute started much earlier before the policy was 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 share of legal claims, so legal expenses provides a safety net with which to ensure your legal safety
  • 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. It can even sometimes help to prevent full legal action being taken

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Our Reviews

4.9 / 5 Based on 1498 Reviews
Read all reviews »

very easy and helpful for other information

5 hours ago

really easy to navigate the site and cover only the required areas

5 hours ago

Very quick and reliable service

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