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The over and above underwriters

Legal Expenses Insurance

ENABLING SMES TO PURSUE OR DEFEND LEGAL RIGHTS AND HAVE ACCESS TO EXPERT LEGAL RESOURCES, WHICH WOULD OTHERWISE BE COST PROHIBITIVE

WHY BUY IT?

Enables SMEs to pursue or defend their legal rights
Access to expert legal resources, which would otherwise be cost prohibitive
Protects cash flow from excessive legal costs
A credible risk management product in an environment of:

Increasing consumer rights;
Complex compliance and regulations; and
Increased litigation

Policy Coverage

Disputes arising from sales or supply of goods and services
Appeals against Workplace Health & Safety cease work orders
Property Disputes
Pursuit of past employees who are soliciting clients or employees (i.e. restrictive covenants)
Appeals against suspension, revocation, imposed alteration of or refusal to renew a Statutory Operating Licence
Data Protection disputes brought under the Privacy Act
Tax Audit Costs where not otherwise insured (may be subject to an additional premium)

Policy Basis

Underwritten on a claims made basis with an unlimited retroactive date
Responds to claims where there are reasonable “prospects of success”

Exclusions

Financial Contracts (credit, insurance etc.)
Franchise Contracts
Employment Contracts (other than for non-compete clauses)
Prosecutions for criminal damage, violence, dishonesty or fraud
Traffic offences
Non-payment of rent
Planning/building regulation disputes
Tenancy renewals or property purchases
Changes to statutory operating licensing requirements
Driving licenses

OTHER POLICY DETAILS

Limits of Liability:

$100,000 aoc / $500,000 agg
$250,000 aoc / $500,000 agg
$500,000 aoc / $500,000 agg

Available for Australian domicile businesses only

Contact

Quenten Dawson

Phone: 02 7227 8191

Email: [email protected]

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