LEGAL EXPENSES

This product enables SMEs to pursue or defend their legal rights and have access to expert legal resources, which would otherwise be cost prohibitive.

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

LEGAL EXPENSES

Policy Coverage

Policy Basis

Exclusions

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