Commercial Legal Expenses

CHAS Insurance offers tailored Commercial Legal Expenses Insurance, helping businesses protect against legal disputes, tax investigations, employment issues, and property claims with expert support at the right price.

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Commercial Legal Expenses Insurance

At CHAS Insurance, we work with businesses and contractors and arrange commercial legal expenses insurance in the UK. Business legislation in the UK keeps growing, and for contractors and construction businesses, keeping track of every change is not always realistic. A legal dispute can occur without warning, costing your company both time and money.

Commercial legal expenses insurance gives your business the means to pursue or defend legal rights across a wide range of situations. That includes appointing qualified legal counsel, covering expert witness costs and funding representation at tribunal or court.

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Business Legal Expenses Insurance

At CHAS Insurance, we have exclusive access to specialist commercial legal expenses insurance providers, which means we can source suitable cover at a competitive price. We are not a one-size-fits-all broker. We work with contractors accredited by organisations including CHAS, Gas Safe, NICEIC, Safe Contractor, SMAS Worksafe and Constructionline. We tailor policies to reflect the specific risks those businesses carry.

Our standard commercial legal expenses insurance policy covers the following areas:

Employment Disputes
Inland Revenue Investigations
Property Protection
Tax Protection
Legal Defence
Contractor Disputes

For businesses that need higher indemnity limits or cover for a particular type of exposure, we can arrange bespoke policies to match.

Contact CHAS Insurance today to arrange commercial legal expenses cover or complete our online enquiry form.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

We work with contractors accredited by the following organisations…

Frequently Asked Questions

What is Commercial Legal Expenses Insurance?

Commercial legal expenses insurance covers the cost of legal action your business may need to take or defend. Legal disputes involving employees, clients, suppliers, landlords or tax authorities can cost tens of thousands of pounds in solicitor fees, court costs and expert witness fees, even when your business is in the right. This type of policy funds those costs so that a legal dispute does not put financial pressure on your day-to-day operations.

At CHAS Insurance, we arrange commercial legal expenses cover for contractors and trades businesses across the UK, giving them access to qualified legal representation without the risk of open-ended legal bills.
What are Legal Expenses Covered by Insurance?

A commercial legal expenses policy typically covers solicitor and barrister fees, court and tribunal fees, expert witness costs and, in some cases, the other party’s costs if a claim is unsuccessful. Covered situations usually include employment tribunal defence, tax and VAT investigations by HMRC, contract disputes, property protection matters and regulatory or health and safety prosecutions. The exact scope depends on the policy in place. CHAS Insurance can tailor cover to your business needs, including higher indemnity limits if your exposure requires it.
Is it Worth Having Legal Expenses Insurance?

For most contractors and construction businesses, yes, it is worth having legal expenses insurance. The cost of legal insurance is modest compared to what a single dispute can cost to resolve. Employment tribunals, HMRC investigations and contract disagreements are more common than many business owners expect, and solicitor fees accumulate quickly once proceedings are underway.

Having a policy in place means you can take professional advice early, before a problem escalates, and have proper legal representation if matters go further. It is one of the most practical policies a contractor can hold alongside their core liability cover.