DAS Legal Expenses Insurance Company is the leading UK provider of legal expenses insurance. Formed in 1975, DAS introduced the concept of legal expenses insurance to the UK market and employs more than 500 people at its head office in Bristol and regional offices around the country. As a specialist insurer, DAS focuses on providing the best possible products, designed to respond to continually changing legislation.
Together with Aon Insurance Brokers, FMB has negotiated a tailored legal expenses product for its members.
Please see your Summary of cover, PDF 288 KB for further information about the cover provided and refer to your Policy wording, PDF 284 KB for full details of the terms and conditions that apply.
It is clear that FMB members are facing more legal issues than ever before as clients and employees become increasingly aware of their legal rights. Legislation is changing all the time making it difficult for businesses to keep up with all the requirements. The current economic climate has added to this, with more debt-related problems and a rising number of employment disputes.
This legal expenses cover helps you to meet the cost of taking legal action or defending your rights if you have a dispute with another party by providing insurance designed to meet these costs. The cover goes well beyond the limited legal defence cover that you may find under your liability insurance. Just consider the following…
- An employee issues proceedings against you in an employment tribunal,
- The police make enquiries into your business, or conduct checks into the legal status of your employees
- The Health & Safety Executive investigates an accident for which you may be held responsible, leading to a possible prosecution
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HM Revenue & Customs advises that it will be conducting an enquiry into your business accounts, or
re-assessing your VAT return
- You are unable to gain access to your site due to a third party causing a legal nuisance, or travellers are residing on land which you intend to develop
- You need to take action against a third party for injury, or recover compensation for damage caused to your property.
Further scenarios are shown in the Claims Examples, PDF 153 KB.
DAS will appoint a solicitor or accountant to act on your behalf, so you can be assured that the necessary expertise is on your side. The solicitor or accountant will first review the circumstances of your case and advise whether you have a good chance of taking matters forward. Most elements of the cover carry a £100,000 limit of indemnity to cover the legal costs involved.
Don’t Walk Away From Bad Debts
Assistance with overdue debts and customer complaints
We all encounter difficulties with certain customers, some relating to non-payment and others who choose to complain over the service they have received. The policy provides Debt Recovery assistance in resolving uncontested debts with customers. Overdue payments soon have an adverse effect on the cash flow of a business, and representation by a DAS appointed solicitor can help to bring matters to a swift conclusion.
