Legal Expenses Insurance Get a Quote
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While there are many benefits that come with being a contractor, you are still exposed to a number of risks and potential unforeseen legal disputes. Legal Expenses insurance helps cover costs when your business is involved in defending commercial disputes such as tax investigations and contract issues.

How does a Legal Expenses Policy help me?

At Kingsbridge we offer two levels of Legal Expenses cover, both of which include access to a 24-hour legal helpline.

Our Legal expenses PLUS package also provides cover for taxes, interest and fines from HMRC following an IR35 status enquiry. For public sector contractors this protection extends to provide IR35 liability cover for the fee payer.

Both policies will pay legal costs up to £100,000 including solicitors' and barristers' fees, court costs, expenses for expert witnesses, attendance expenses, accountants' fees and employment compensation awards. They will also pay the costs of appealing or defending an appeal.

£100,000 of cover for… Legal Expenses Legal Expenses PLUS
IR35 status enquiry defence costs
Tax, VAT, PAYE and NIC investigations
Contract disputes
Jury attendance
Debt recovery
Identity theft
Personal injury
+ £25,000 of IR35 liability cover for...
Taxes and interest from HMRC
Penalties from HMRC
Prices shown exclude Insurance
Premium Tax (IPT) at {IPTRate}%
£59.50 £199.50
Monthly payment options available Total premium £66.64 (inc IPT) Total premium £223.44 (inc IPT)

Benefits of our Standard Policy

Tax protection (including IR35 protection)
As well as covering tax enquiries, employer compliance disputes and VAT disputes, this policy also extends to cover IR35 disputes.

Contract dispute cover
This cover will provide assistance when negotiating your legal rights, whether for purchase, hire and sale, or the provision of goods or services.

Personal injury cover
This will cover the cost and expenses for both the insured and family members' legal rights, following an accident resulting in bodily injury.

Statutory licence appeal cover
This cover will help with legal defences following the decision of a regulatory authority to suspend, alter, cancel, refuse or renew your licence.

Jury attendance cover
This will cover the loss of salary and wages while off work to attend a court for jury service.

Debt recovery
If you are not paid for the sale or provision of goods or services, you will receive assistance in recovering money owed.

Flexible purchasing options
This product can be purchased at any point and is available as a standalone package, or as an add-on to any existing contractor policy.

24 hour legal advice Helpline
You will have immediate access to confidential advice over the phone from a qualified legal advisor. 24 hours a day, 7 days a week.

Upgrade to our Plus Package…

IR35 status enquiry taxes, interest and penalties
In addition to the standard Legal Expenses cover detailed above, this provides an additional £25,000 of cover for any taxes, interest and penalties which you are held liable for by HMRC, following an IR35 status enquiry. For public sector contractors this part of the package also extends to indemnify the fee payer for such liability.

Full terms, conditions and exclusions can be found here.