Legal Expenses

LEGAL EXPENSES FOR PROPERTY OWNERS

Protecting you against Legal Action

Property owners are faced with an increasingly complex legal environment with many laws and regulations.

The potential need to take legal advice or pursue or defend interests has never been greater. So whether it be the actions of squatters or planning issues, insurers generally offer a legal protection package that protects you against the extra, and often unbudgeted cost of legal services.

Property Protection

Covers legal costs arising from a variety of incidents in connection with the ownership and leasing of residential
property.

In respect of civil cases, the cover is subject to the case having prospects of either winning or making a successful
defence.

Residential Repossession

Generally an optional extension, this protects your legal rights in trying to gain possession of your residential property. Including the eviction of squatters and the recovery of any rent owed to you.

Tenant Default (Rent Indemnity)

Again, optional, If a tenant has defaulted on their rent and refuses to pay any further money, this would pay you the rent a tenant owes up until the time that the property is vacant - see policy wording for more details and restrictions.

Legal Defence

This cover will defend you if any criminal action or specific civil action is taken against you, or an employee acting on your behalf, for any non-motor related incident arising in connection with the ownership of your property.This includes cover in the event of prosecution under Health and Safety legislation, data protection rules and in cases of wrongful arrest. Cover includes appealing against the imposition of a statutory notice issued under legislation affecting your business.

It will also provide you with defence against civil proceedings taken out against your employees if they are drawn into a
dispute over an accusation of discrimination.

Contract Disputes - usually optional

This cover is designed to help you negotiate disputes relating to a contract you have entered into with a customer or supplier for the purchase or sale of goods or services over £250.

Debt Recovery - usually optional

Your policy can be tailored to include cover to negotiate your legal rights. It includes the enforcement of judgments to
recover money and interest due from a customer or supplier following the sale or provision of goods or services - see policy for restrictions and conditions.

Tax Protection

This cover will enable us to represent you in appeal proceedings with HM Revenue & Customs in a full aspect
enquiry following your corporation tax self-assessment return and representation for appeal proceedings in respect
of Value Added Tax due.

Employment Disputes and Compensation Awards

As you probably know, employment law is always changing and has become increasingly complex and confusing in
recent years.
 

Quotations

Please contact Liz Kelly on 01253 598958 or email liz@rowlands-hames.co.uk