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Legal expenses insurance

A legal dispute can arise more quickly than you might think. A disagreement with a customer, an unpaid invoice, a conflict with a supplier, or an inspection by a government agency can lead to a complex and costly procedure. 

With a legal assistance insurance for your business, you have access to legal advice and financial support when you become involved in a dispute. The insurance helps you defend your rights and limit the costs of a procedure, allowing you to stay focused on your business activities.  

 

ondernemingen aansprakelijkheid

What is legal expenses insurance?

A legal assistance insurance for businesses provides legal and financial support when your company becomes involved in a dispute. This may involve conflicts with customers, suppliers, employees, government agencies, or other parties.  

The insurance generally provides for: 

  • Legal advice when you have questions about your rights or obligations
  • Mediation to resolve a conflict amicably as quickly as possible
  • Assistance in legal proceedings if an amicable solution proves impossible
  • Reimbursement of legal costs, such as lawyers’ fees, expert reports, and court costs 

A separate legal assistance policy often provides broader and more independent protection than a limited legal assistance guarantee that is part of another insurance policy.

What are the benefits?

Covers legal costs such as lawyer fees, expert assessments, and court costs. 

Covers mediation and legal assistance with conflicts involving customers, suppliers, or partners.

Covers the defense of your company in criminal or administrative proceedings. 

Covers the recovery of damages when a third party causes damage to your company. 

Who is this insurance for?

A legal expenses insurance policy is relevant for almost every business. Legal disputes can occur in any sector and can affect both small and large companies. 

This insurance is suitable for, among others: 

  • SMEs and large enterprises 
  • Self employed professionals and liberal professions 
  • Trading companies and service providers 
  • Construction, installation, and manufacturing companies 
  • Organizations with staff, contracts, or suppliers 

The content of the policy is always tailored to your sector, activities, and risk profile. This way, you get a solution that meets the legal challenges of your business. 

What is covered and what is not?

What is covered depending on the chosen plan?

  • Disputes with customers or suppliers
  • Contractual disputes
  • Recovery of damages
  • Criminal defence for unintentional offences
  • Administrative or tax disputes
  • Disputes relating to real estate or commercial premises

What is not covered?

  • Criminal offences or fraud
  • Disputes that already existed before the policy was taken out
  • Specific risks covered under other specialised insurance policies
  • Disputes falling outside the selected cover

How much does this insurance cost?

The premium for a legal assistance insurance depends on several factors, such as: 

  • The sector in which your company operates
  • The size of your company 
  • The number of employees 
  • The type of legal risks 
  • The desired coverage and insured amounts 

Companies with complex contracts or higher legal risks generally require broader coverage. For this reason, a legal assistance policy is usually tailored to fit your business. 

Stories from our customers

Testimonial Antilope De Bie Printing
Antilope De Bie Printing

Bart De Bie: “Van Dessel is een betrouwbare partner die vooral met zijn maatwerk het verschil maakt.”

Testimonial Groep Steylaerts
Groep Steylaerts

Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”

Bram Gers van Germo bvba
Germo bvba

Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."

Tom Bolsens van Van Wellen Group
Van Wellen Group

Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."

Our promise to you

Personal & involved

a tailor-made partner

We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.

Expertise & experience

already 80 years in insurance

Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.

Customization & innovation

beyond standard insurance

No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.

Would you like to receive a quote?

We analyze your activities, contractual obligations, and risks. You will receive a clear proposal tailored to your company. 

Request a free quote or contact us for personal advice. 

 

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Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.

Prefer faster help? Check out our frequently asked questions.

What does a legal expenses insurance do for my business?

A legal assistance insurance helps your business in legal disputes. You receive legal advice, guidance during mediation, and financial support for costs such as lawyers, expert assessments, and court fees. 

Is legal assistance insurance mandatory for businesses?

No, legal expenses insurance is not legally required. However, it is valuable for many businesses because legal proceedings can quickly become expensive and complex.

What is the difference between legal assistance insurance and liability insurance?

A liability insurance covers damage that your company causes to third parties. A legal expenses insurance helps you resolve legal disputes and defend your rights. 

Is a separate legal expenses insurance policy better than an option in another insurance policy?

Often yes. A separate policy generally provides broader coverage, higher compensation amounts, and an independent defense of your interests. 

When does legal expenses insurance intervene?

The insurance intervenes as soon as a legal dispute arises that is covered under the policy. In many cases, an attempt is first made to reach an amicable solution. If necessary, legal proceedings are also supported.