As part of your Chamber membership, Chamber Legal Expenses removes your litigation risk and provides your business with essential and immediate legal expenses protection and advice.

A team of qualified solicitors and HR consultants are on stand by to guide you through the correct procedure. This can prevent a claim gaining momentum, furthermore it is best practice to contact the advice line when a potential dispute is in its infancy. This way, advisors can help you avoid the long-term headache of getting dragged into the inconvenience of an industrial tribunal or court case.

Your free cover:

• Legal Helpline: The Chamber Legal Advice Service provides confidential advice and 24/7 Helpline is there for members to use as often as you wish. 24 hours a day, 365 days a year you may call the Chamber Helpline with any business legal problem. Tel: 0870 220 8515
  
  
• Employment: Costs of your defence in actions brought by employees (eg, unfair / wrongful dismissal, pension rights). Providing the legal advice given is followed our insurance will pay the industrial tribunal compensation award in the event of failure in your employment representation.
  
  
• Prosecution Defence: The costs of defending a prosecution for an offence relating to your normal business activities as employer, employee, director or partner. Also covered are appeals against the service of improvement and Prohibition notices under the Health & Safety at Work Act 1974.
  
  
• Personal Injury: Legal Expenses Insurance cover is included for employees, directors and partners for personal injuries, including accidents outside the workplace.
  
  
• Jury Service & Attendance Expenses: Up to £100 per person per day, up to a maximum of £1,000 per claim for employees, directors or partners who have to attend a court or tribunal case covered by this insurance.
  
  
• Protection of Licences: Where your business is dependent on holding a statutory licence, cover is provided for appeal costs against altering, revoking or suspension.
  
  
• Data Protection Act: Defend civil proceedings brought against you under the Data Protection Act and to appeal against:

- Refusal by the Registrar to register your business or to alter your registered particulars;


- Enforcement, De-registration or Transfer Prohibition notices served on you under the Act.

• Property Legal Protection: Enables your business to pursue legal rights arising from omissions, neglect acts of others and tort.
  
  
• Disputes with Landlords: Representing your interests in disputes with landlords over business lease / tenancy (service charge disputes are not included).
  
  
• Tax, VAT, PAYE and NIC Investigations including Inland Revenue Schedule D and Corporation Tax Investigation: Professional fees incurred with Composite’s consent for enquiries and investigations.
  
  
• Business Motoring: Pursuing uninsured losses following a road accident. Credit hire replacement vehicles and credit repair service will be provided wherever possible in non fault accidents to assist the cash flow needs of your business,
  
  
  - Pursuing damages and compensation for personal injuries to employees and authorised passengers following a road accident.
  
  
  - Pursuing or defending motor related contract disputes.
  
  
  - Defence is provided for motor related prosecutions including representation at hearings for suspension, revocation or curtailment of driving or operating licences.
  

This policy offers legal fees up to £65,000 and carries a £1,000 policy excess on all claims (except Jury Service). Those Chambers subscribing to Chamber HR have the excess reduced to £800 on Employment Representation and Awards.