In the unfortunate event of a claim against your business, Commercial Legal Protection Insurance provides you with expert legal assistance and protection from potentially crippling legal costs, regardless of any fault on your part.

This product is designed to be held in addition to your existing commercial insurance policies and is not a substitute for General Liability, Professional Indemnity, Directors and Officers Liability or Management Liability Insurance. 

Instead, it covers your legal expenses required to defend and pursue possible disputes associated with your core business activities that are not covered under these policies.

Commercial Legal Protection Insurance lowers the financial burden associated with such disputes, by providing access to legal advice and assistance which could inhibit the need for full-scale litigation.

Commercial Legal Protection Insurance provides cover for legal proceedings in a Court or Tribunal that falls within any of the following: 

• Contractual Disputes (in relation to the supply of goods and/or services)
• Tax Audit
• Statutory Licence Protection
• Landlord Disputes
• Restrictive Covenant Pursuit (protecting a client’s intellectual property)
• Third Party Damage to Goods or Premises
• Debt Recovery

Some Commercial Legal Protection Insurance policies also include access to a legal advice service. As a result, you will have access to tailored advice from a lawyer in relation to any problem directly associated with your core business activities.

Maximum limits of liability:

• $100,000 any one claim OR $250,000 in the aggregate per insured

Excess:

• Generally, $1,000 any one claim. This may vary depending on your specific policy and requirements.

Commercial Legal Protection Insurance premiums vary from insurer to insurer. However, we have access to policies starting as low as $200, plus fees and charges. Premiums will vary depending on your annual turnover / income.

To arrange an obligation free quote, please complete our online form or call us on 1300 932 237 for more information.

A third party delivered construction materials to the policyholder’s business premises on a wet, stormy day. The materials were left unsecured. Earlier on that day, delicate machinery had also been delivered to the same premises.

The wind caused the construction materials to fall over onto the machinery, causing significant damage. When the third party refused to accept responsibility, the policyholder made a claim. A lawyer was assigned and threatened court proceedings against the third party.

As a result, the policyholder received payment which covered the full amount of the damage and associated legal costs.

With most occupations, the process of organising Commercial Legal Protection Insurance is quick and simple. 

To provide you with a quote, all we need is your:

• Name and address
• Industry / occupation
• Total fee income / turnover (previous 12 months OR next 12 months)
• Number of employees in each state

Information used to quote can be provided in a variety of ways, including over the phone, completing a proposal form or using our online quote enquiry form.