Commercial legal expenses insurance
Wording reference: TS5/6967334
Effective from: 3 April 2025
Note: This wording version applies to all Suited policies purchased on or after the wording effective date. If you bought your policy before 3 April 2025, this version of the wording will apply to your policy from the start date of your monthly policy cycle that begins on or after 1 May 2025.
Summary of cover
What is a summary of cover?
It is a brief outline of what this cover protects you against, including its limits, exclusions, and key terms. It helps you grasp the cover quickly. If there is any dispute between this document and the policy documents, the policy documents will be taken as correct.
Key changes to the policy wording on 3 April 2025
This is a summary of key changes from the previous policy document versions.
Insurer
This insurance is underwritten by ARAG Legal Expenses Insurance Company Limited ("ARAG").
Debt recovery
Debt recovery is still covered but applies for outstanding debt over £500.
Tenancy disputes
This insurance now covers a civil dispute between you and your landlord relating to premises leased or rented by you.
Property protection
This insurance now covers costs and expenses for:
A civil dispute relating to physical property which is owned by you, or is your responsibility following:
- any event which causes physical damage to such physical property; or
- a legal nuisance; or
- a trespass.
Contract disputes
Contract disputes are still covered but the level of cover has changed to:
A contractual dispute arising from an agreement or an alleged agreement which has been entered into by you or on your behalf for the purchase, hire, sale or provision of goods or of services.
Provided that:
(a) the amount in dispute exceeds £500 (incl VAT)
(b) if the amount in dispute exceeds £5,000 (incl VAT), you must pay the first £500 of any claim.
Jury service and court attendance
This insurance now covers the Insured’s absence from work:
(a) to perform jury service
(b) to attend any court or tribunal at the request of the appointed representative in relation to a claim that is an insured incident under this policy.
The maximum we will pay is the insured person’s net salary or wages for the time that they are absent from work less any amount you, the court or tribunal, have paid them.
Employment disputes and compensation awards
This insurance now covers:
1. Employment disputes
Costs and expenses to defend your legal rights:
(a) before the issue of legal proceedings in a court or tribunal:
(i) following the dismissal of an employee; or
(ii) where an employee or ex-employee has contacted
ACAS (‘Advisory, Conciliation and Arbitration Service’) to commence the Early Conciliation procedure; or
(b) in unfair dismissal disputes under the ACAS Arbitration Scheme; or
(c) in legal proceedings in respect of any dispute relating to:
(i) a contract of employment with you; or
(ii) an alleged breach of the statutory rights of an employee, ex-employee or prospective employee under employment legislation.
2 Compensation awards
In respect of a claim we have accepted under insured incident 1 Employment disputes we will pay:
(a) any basic and compensatory award; and/or
(b) an order for compensation or damages following a breach of your statutory duties under employment legislation.
Crisis communication
This cover is no longer available under this insurance.
General and claims conditions
Please review the general and claims conditions sections which have been updated.
For the full cover terms and conditions, please refer to the policy wording which will prevail in the event of a claim or dispute.