Business Legal Expenses Insurance
Our bespoke legal expenses insurance policy has been specially developed to cover the specific risks associated with dental practices and the dentists that work within them. It covers the legal costs associated with disputes and provides access to specialists who can offer advice when the need arises.
As well as the main areas of protection shown to the right, the policy also offers dentists a variety of support options:
- A 24 hour, 365 day legal helpline
- Advice from tax experts
- An on-line information repository where you can download legal documents relating to your business
- Counselling service
- Employment manual
Tax, VAT PAYE And NIC Investigations
The cover is limited to professional fees incurred by you in respect of a:
- Comprehensive enquiry
- In-depth investigation arising out of your tax affairs.
- VAT dispute
- PAYE dispute
- NIC dispute
The defence of an insured person against prosecution in a court of criminal jurisdiction in respect of any act or omission or alleged act or omission.
Your defence in a dispute with an employee or ex- employee arising from or relating to a contract of employment with you.
An appeal or representation to the relevant statutory or regulatory authority, court, tribunal or other mandatory body following an act, or omission which leads to the suspending, revoking, altering the terms of or refusing to renew any of your licence(s) issued under statute or statutory instrument or by the government or local authority to you where such licence is necessary to engage in your business or trade.
Any civil action relating to material property, owned by you or for which you are responsible, arising out of an alleged or actual negligent act or omission or any nuisance, trespass or criminal damage by a third party which causes or could cause physical damage to such material property or pecuniary loss to you.
Professional fees incurred by you in the recovery of money and interest due to you from another business for the provision of goods and/or services, profession fees and services, or dishonoured cheques.