Business legal insurance
Join over 900k UK customers (including over 113,000 businesses with legal cover – we offer public liability cover from £4.74*
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Compare tailored quotes to find the best business legal cover for you
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Business legal expenses insurance – why is it important?
From employment tribunals to tax investigations, legal issues typically cost thousands. On top of the money, they’re a drain on your time and attention, and can take over a year to resolve. Business legal expenses insurance is designed to help cover the costs, and provide expert support on areas like employment and contract disputes, debt recovery, data protection, tax, and more.
- commercial legal expenses insurance for sole traders, limited companies, and more
- covering contract and employment disputes, plus debt, tax, and data claims
- rated 4.7/5 based on 39K+ public liability customer reviews
What does legal insurance cover?
Legal insurance is designed to help cover your legal representation costs and expenses, if a claim is made against you. Expertise is power, so we’ll always provide access to a 24/7 legal advice helpline, plus crisis PR support, giving you a solid first point of contact. Contract and employment disputes, debt recovery, data protection, tax protection, and corporate identity theft are all areas typically covered by legal protection insurance.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does legal protection insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example business legal insurance quotes, real prices
![](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/churchill-1.png?w=129)
£50.64 /month
£450.09 /year
A self-employed plumber working mainly in local residential properties
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Oxford
Public liability
£1,000,000
Employers’ liability
Not included
Legal expenses
£100,000
![chiswell insurance](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/chiswell.webp?w=100)
£142.58 /month
£1,267.40 /year
A freelance architect that specialises in residential property conversions
- 5+ years’ experience
- Limited company
- 3 employees
- Based in Sunderland
Public liability
£1,000,000
Employers’ liability
£10,000,000
Legal expenses
£100,000
How we work out example quotes These examples are real quotes from our online system (created 14/09/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
Looking for something else?
Depending on your set-up, clients and business type, these expert covers might be helpful too:
- Business insurance
- Public liability insurance
- Employers liability insurance
- Professional indemnity insurance
- Business buildings insurance
- Business contents insurance
- Business interruption insurance
- Contract works insurance
- High risk insurance
Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
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Get your documents the same day
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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having business legal insurance through Simply Business has saved small business owners thousands of pounds when the unexpected happened.
Steph saved more than £3,100
Steph (not her real name) called our team to make a claim for legal fees she needed to pay, in connection with a client contract dispute. The optional commercial legal expenses insurance added to Steph’s architecture business policy helped cover her legal costs.
Insurance payout
£3,150.00
Covering the cost of contract dispute
Insurance payout
Covering the cost of contract dispute
Covering the cost of contract dispute
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Business legal protection insurance FAQ
Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about legal expenses insurance for business.
You can also check out our business insurance FAQs.
It’s unlikely a standard business insurance policy would cover you for legal costs in the event of a contract dispute or identity theft. That’s why it’s important to add business legal cover to your policy to make sure you have the right level of protection.
Commercial legal cover is another way of saying ‘business legal insurance’. It’s typically built to help provide cover for legal costs and expenses, often when you need legal representation in connection with your business. Our cover also supports you with a 24/7 expert legal advice helpline, plus crisis PR support.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions