Legal expenses insurance that doesn’t break the bank

From jury service payments to more complex employment tribunal representation, you can count on us to support you, so you can get back to business.

Save thousands in legal bills

Commercial legal expenses can quickly soar if you’re facing issues like HMRC tax investigations or property disputes. There are no extra fees to pay or policies to take out – it’s included with your membership.

One less thing to worry about

Whether you're just starting out or you're an established company, safeguard your business against a range of legal issues thanks to our legal protection scheme, with cover of up to £100,000 per claim.

Prepare for the unexpected

Business life can be unpredictable. If things don’t go to plan, we’re right behind you.

Legal advice and support ready when you are

Peace of mind. If you suddenly find yourself facing a legal issue, you can rely on us. Call us on our 24/7 legal advice line, before taking any action, and our lawyers will be able to advise you on your next steps.

24/7 legal library. Need to find up to date employment contract templates or policies to comply with health and safety legislation? Our growing legal library is here to support you. 

What's included?  

Click below to find out how the FSB Legal Protection Scheme can protect your business. 

Criminal defence

If you or your business are facing criminal proceedings, our insurance policy can help cover the legal costs. This includes the costs your business might face to: 

  • Defend against a prosecution in a court of criminal jurisdiction 
  • Provide legal representation during an interview under caution 
  • Appeal against certain improvement or prohibition notices 

Read our guide to what your insurance covers

Property, landlord and tenant disputes

Disputes over property can be challenging. That’s why FSB members have insurance in place to cover legal representation when pursuing any dispute or legal proceedings relating to: 

  • nuisance or damage to the business premises 
  • a breach of a repairing covenant in a Lease 

You’ll also have comprehensive cover for your business whether you own the property or land or are a tenant.

Cover is provided for pursuit actions and additional protection below is provided to defend legal actions against you:

  • Trespass
  • Right of way disputes
  • Title disputes
  • Damage to property
  • Eviction of a tenant

Employee extra protection

Being out of action when your small business needs you can be a worry. Your costs are covered should you need to start legal proceedings for a business-related injury. 

Should you need to take out an injunction following an assault or other threatening behaviour towards you or your staff, your business’ costs can be covered.  

Regulatory compliance

If any of your essential Licences are under threat of suspension, revocation, alteration or non-renewal, we can cover your legal representation fees. 

If you are in a dispute or have been notified of legal proceedings taken out against you or your business under the Data Protection Act 2018 or GDPR, we can cover your legal representation fees.

Intellectual property cover

This cover applies to copyrights, trademarks and passing off actions. You don’t register copyrights or passing off at The Intellectual Property Office, but it’s easy for businesses to infringe another’s Intellectual Property during the normal course of business.

The cover undertakes an assessment of prospects for the legal action and provides you advice as to whether commencing an action is wise. Intellectual Property disputes can be extremely expensive, and protection is not provided for a full legal action. Sometimes, commencing a legal action may not be in your interest and you will be advised if this is the case. The cover provides up to £1,000 of legal assistance and where appropriate to do so will extend to include a cease-and-desist letter.

Court attendance costs

Being called away from your business can have many consequences, including to your bottom line. Access up to £250 per day (£2,500 maximum) for losses to your business if you or an employee in your business attends court as a juror. 

Tax protection

Facing an investigation from HMRC? Our experts are on your side with your best interests in mind, thanks to our tax protection insurance.  

Tell me more about FSB Tax Investigation Protection.  

Employment dispute insurance

If you’re facing an employee dispute, you’re not alone. We’re here to help you with covering the costs for legal representation at an employment tribunal and any basic or compensatory awards, as well as certain financial penalties. 

You don’t need to be facing an employment tribunal to access support. We have extended legal representation to assist you at Acas early conciliation. This process commences before a tribunal claim starts and provides expert representation to determine your best interests which may be to negotiate and settle early or to withhold from negotiations and defend any future claim that may be brought when an ET1 claim form is received from the Tribunal.

The employment section of cover is also strengthened and will support you at a pre-hearing to determine where a worker alleges that they are an employee.

Tell me more about FSB Employment Protection.  

Crisis communication

Nobody likes negative publicity, and it can greatly damage your businesses reputation if not handled correctly. We have public relations experts on hand to help you with everything from advice on handling a bad review to writing a press release.  

Tell me more about FSB PR and Crisis Management. 

Want this benefit for your business? 

Our FSB Legal Protection Scheme is included in FSB membership. Members can log into their dashboard to access this benefit at any time. Members can also access the service or book a callback through the FSB member app

To find out more about this and the other benefits included with FSB membership, visit our membership page

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