If you require advice relating to any Legal, Employment or Tax matter please call the Chamber Legal Advice Line on 0871 423 5239*

It is a condition of the Chamber Legal Expenses Insurance Policy that members contact the Legal Advice Line as soon as they become aware of any issue that may give rise to claim so if in doubt please call immediately.

What is Chamber Legal Expenses Insurance?

The Norfolk Chamber of Commerce have arranged Legal Expenses Insurance Cover to protect its members against unexpected legal fees and financial penalties. This essential benefit is part of your membership package and includes access to a 24/7 Legal Advice Line.

The Insurance is provided by one of the UK's leading providers of Legal Expenses Insurance, Composite Legal Expenses and underwritten by S&P ‘A’ rated Insurer Groupama Insurances.  As a member you can rest assured that your business benefits from over £670,000 worth of cover to defend against unexpected and expensive legal and professional fees.

As a member your business benefits from £65,000 worth of professional fees per annum in each of the following areas of cover;

• Employment Disputes – The cost of defending actions brought by employees including unfair dismissal & discrimination claims.
  
  
• Employment Awards – Covers the employment tribunal compensation award in the event of failure in your employment representation.
  
  
• Prosecution Defence – Cost of defending a prosecution for an offence relating to your business activities including the Health & Safety at Work Act 1974.
  
  
• Tax, VAT, PAYE and NIC Investigations – Cover is provided to pay professional fees resulting from in depth investigations.
  
  
• License Protection – Where your business is dependent on holding a statutory license in order to trade, cover is provided for appeal costs where the license is at threat.
  
  
• Data Protection Act – Cost of defending civil proceedings bought against your business under the Data Protection Act.
  
  
• Property Legal Protection – Enables your business to pursue legal rights arising from negligent acts of others affecting your property.
  
  
• Landlord Disputes – Representing your interests in disputes with landlords over the business lease or tenancy agreement.

Plus

• Jury Service Allowance – Up to £1000 per claim to compensate for the loss of an employee attending court or tribunal.
  
  
• 24/365 Legal Advice Line – Solicitors and other professionals on hand to provide a telephone based legal advisory service.
  

And don’t forget these helpful employee benefits as well…

• Personal injury (£75,000) – Legal Expenses cover is included for all employees and their partners to pursue compensation following a personal injury.
  
  
• Business Motoring (£75,000) – Pursuing uninsured losses following a non-fault road traffic accident including excess recovery, car hire charges and credit repair.
  
  
• Consumer Disputes (£1000) – Up to £1000 worth of professional fees following a personal dispute arising from the purchase or sale of faulty goods or services.

Chamber Legal Expenses Terms & Conditions

Members are responsible for the first £800 worth of fees in the event of an Employment Dispute claim and £1000 for all other areas of cover with the exception of Jury Service Allowance, Business Motoring and Personal Injury Claims where no excess applies.

It is highly recommended that members make themselves aware of the full Policy Terms & Conditions that are included in the Chamber Legal Expenses Policy Wording and Key Fact documents.

Documents are available on request from your Chamber of Commerce or by downloading them from the Composite Legal Expenses Chamber micro-site which can be found at www.composite-legal.com/chamber.

If you have any questions relating to your cover then please contact Composite Legal Expenses directly by calling 0871 423 5239*.

Enhanced Cover

As a member of the Norfolk Chamber of Commerce you can rest assured that your business is covered by a comprehensive Legal Expenses Insurance policy.

For complete peace of mind members have the ability to increase their cover even further by purchasing the Chamber Legal Expenses Enhanced Cover. The additional benefits include;

• Contractual Disputes - Legal costs and expenses relating to a business pursuing or defending its legal rights as a result of a contract entered into by the business for the purchase, hire or sale of goods and services.
  
  
• Debt Recovery - Legal costs and expenses incurred by the business in respect of money and interest due from another business for the provision of goods and/or services, professional fees and dishonoured cheques.
  
  
• Restrictive Covenants - Legal costs and expenses incurred as a result of pursuing a claim against an employee or ex-employee who is in breach of a Restrictive Covenant included in their contract of employment.
  
  
• Excess Waiver - By purchasing the Enhanced Cover you will also benefit from the excess included in the main Chamber Legal Expenses policy being waived. Please note excesses of £250 for Contractual Disputes and £150 for Debt Recovery still apply.
  
  
• £100,000 Indemnity Option - You also have the option to increase your limit if indemnity for each area of cover from the standard £65,000 to £100,000.

If you are interested in finding out more about the Enhanced Cover option then please contact Composite Legal Expenses on 0871 423 5239*.

* Calls from a BT Landline cost 10p per minute at all times. Mobiles and other networks may cost more

Composite Legal Expenses Ltd is authorised and regulated by the Financial Services Authority