Commercial Legal Expenses Insurance


Commercial Legal Expenses Insurance  Could your Club, Recognised Training Centre or Affiliated Organisation benefit from this additional cover?

Despite having rigorous risk management practices, even the most prepared Sailing Club, Recognised Training Centre or Affiliated Organisation can find themselves suffering from the consequences of a legal dispute. Dealing with litigation problems certainly isn't cheap whether it be hefty fines and legal representation costs or excess time spent dealing with such matters. This may leave organisations with a reduced bank balance and often with a tarnished reputation.

Gallagher are pleased to advise that Commercial Legal Expenses cover can help protect your organisation in these circumstances and set you on the road to recovery.

What is Commercial Legal Expenses Cover?

This type of policy provides cover for legal costs that occur while pursuing a claim or dispute against a responsible party. The policy is a form of before the event insurance, meaning it must be taken out before the event occurs. Specifically, legal expenses insurance provides cover for the following circumstances:

Employment disputes

  • Defending your legal rights before the issue of proceedings in a court or tribunal following dismissal of an employee, or where an employee or ex-employee has contacted ACAS to commence the early conciliation procedure.
  • Defending your legal rights in respect of any dispute with an employee or ex-employee relating to their contract of employment.
  • Defending your legal rights in respect of any dispute with an employee, prospective employee or ex-employee arising from an alleged breach of their statutory rights under employment legislation.

Legal defence

  • Defending your legal rights or your employees legal rights prior to legal proceedings when dealing with the police or the relevant Health and Safety authority where it is alleged that you or your employees have or may have committed a criminal offence in connection with your business activities.
  • Defending non-motor criminal prosecutions arising from your business activities.
  • Defending civil actions taken against you or your employees for compensation under section 13 of the Data Protection Act 1998, including the payment of any compensation award made against you or your employees.
  • Appealing against the refusal of the Information Commissioner to register your application for registration.
  • Appealing against the imposition or terms of any statutory notice issued under UK legislation affecting your business.
  • Defending a civil action taken against you for wrongful arrest in respect of an accusation of theft.
  • The attendance expenses of your employees for jury service.

Statutory Licence Appeal

Appealing to the relevant statutory or regulatory authority, court or tribunal, following a decision by a licensing or regulatory authority to suspend, alter, or refuse to renew or cancel your licence, mandatory registration or British Standard Certificate of Registration.

Property protection and personal injury

Property protection

Pursuing your legal rights in a civil action following an event causing physical damage to material property which you own or are responsible for, or any nuisance or trespass.

Personal injury

At your request, pursuing your employees and their family members legal rights following their death or bodily injury.

Tax protection

Tax enquiries

Negotiating on your behalf and representing you in any appeal proceedings following a written notice of enquiry, issued by HM Revenue & Customs, to carry out an Income Tax or Corporation Tax compliance check.

Employer compliance disputes

Negotiating on your behalf and representing you in any appeal proceedings in respect of a dispute concerning your compliance with Pay As You Earn, Social Security, Social Insurance, Construction Industry or IR35 legislation and regulations.

VAT disputes

Negotiating on your behalf and representing you in any appeal proceedings arising out of a dispute with HM Revenue & Customs

Helpline services

The following helpline services are available 24 hours a day, 365 days a year during the period of insurance:

  • Legal advice service
  • Tax advice service
  • Counselling service

Premiums for Commercial Legal Expenses insurance via Gallagher on a £100,000 Limit of Indemnity start at £51.52* including 12% IPT.

For more information in respect of RYA Combined Insurance, please contact the dedicated RYA team at Gallagher on 0800 062 2309 or email -

*The premium of £51.52 inc IPT is based on a maximum annual wage roll of £500,000.

Royal Yachting Association is an Introducer Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP1452-2020. Exp. 10.11.2021