We are pleased to be able to offer ‘Commercial Legal Protection’ with DAS Legal Expenses at an annual premium £85.00. The cover is specifically designed for the Channel Islands and provides access to professional legal advice and representation should your business in the future:

  • have a dispute with an employee which cannot be resolved internally
  • face a criminal prosecution, receives a statutory enforcement notice or experience problems under data protection legislation
  • suffer damage to its property or nuisance or trespass
  • be subject to an Aspect or Full enquiry carried out by HM Revenue & Customs, the Comptroller of Taxes in Jersey of the Director of Income Tax in Guernsey
  • have contractual disputes with suppliers or business customers
  • have its licence to undertake normal business activities cancelled, suspended or altered
  • require business-related telephone advice

The limit of indemnity is £100,000 and pays solicitors or advocates fees, court costs, expenses for expert witnesses, attendance expenses, accountants fees and employment compensation awards. It will also pay the costs of appealing or defending an appeal. It should be noted that in common with all legal expenses type insurances, aspects of the cover are subject to a ‘reasonable prospect’ clause whereby the policy will respond only when there is a better than 51% chance of success in any civil or criminal case. Employment Practice Liability policies are available that do not require a 51% chance of success but that these policies are considerably more expensive.