An Introduction To

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An Introduction To Chamber Legal Expenses
Tim Mullin, September 2007
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Did You Know?

• 115,039 applications to employment tribunals in
  2005/06
• Average award for sex discrimination 10,807
• Average award for disability discrimination
  19,360
• Average award for race discrimination 30,361
• Average award for employment 8,679
• Costs business 250,000,000 per year
• 10 of businesses have LEI cover
• Source ETS Annual Report and Accounts 2005/06

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How can Chamber Legal Expenses help?
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Employment Solution

• Employment Dispute cover (65,000)
• Employment Awards cover (65,000)
• 24 hour/ 365 day legal help-line with employment
  professionals to support

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Criminal Prosecution Defence

• Offences related to business activities
• Directors, Employees, Partners covered
• Health Safety issues etc
• 65,000 limit of indemnity

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Personal Injury

• Cover applies to any Director, Employee or
  Partner
• 65,000 Limit of Indemnity
• Whilst during business and personal activities
• Employee benefit!
• No Excess applicable

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Business Motoring

• Uninsured Loss Recovery - excess, hire car,
  personal effects.
• Hire Repairs
• Defence of prosecutions where license is at risk
  
• Pursue contractual disputes - garages etc
• Non fault car hire/repatriation following
  immobilisations

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Jury Service Attendance Allowance

• Up to 100 per day
• Maximum 1000 per claim
• Includes to employers employees
• No excess applicable
• Excludes first 5 days

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Statutory Licenses

• Where a business is dependant upon government or
  local authority licensing in order to conduct
  business, we will provide support for
• Suspension
• Revocation
• Alteration
• Refusal to renew
• 65,000 limit of indemnity

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Data Protection Act

• Defence of Civil proceedings appeals brought
  against members
• Data Protection Act 1996
• Refusal to be registered
• Refusal to alter registered particulars
• 65,000 limit of indemnity

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Property Legal Protection

• Negligent Acts or Omissions of others
• Nuisance, trespass or criminal damage by third
  party
• Excludes mining subsidence, goods lent or in
  transit
• 65,000 limit of indemnity

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Disputes with Landlords

• Pursuit or defence of civil legal proceedings
  with the landlord for lease or tenancy
  agreements.
• 65,000 limit of indemnity

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Enquiries Investigations

• New Inland Revenue powers
• 95 of business faced with additional Accountancy
  costs
• 1 in 5 businesses every year face difficulties
• VAT Disputes
• PAYE Audit
• NIC Disputes
• P11D compliance visits
• 65,000 limit of indemnity
• Excludes criminal proceedings / alleged evasion /
  pre-existing

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24 Hour Legal Advice Line

• Unlimited access to advice over the telephone
• Any legal, HR or taxation enquiry
• Specialist Northern Ireland Advice
• 24 hours a day, 365 days a year
• Call the advice line as soon as you are aware of
  a potential issue.
• Call - 0870 220 8515

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Policy Excess

• 1000 Excess payable with the exception of Jury
  Service and Personal Injury cover.
• Excess can be waived by purchasing the Enhanced
  Cover

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Enhanced Cover

• Contractual DisputesThe business is supported
  in respect of disputes over the quality of goods
  or services sold or supplied, including
  enforcement.
• Debt RecoveryThe costs of pursuing business
  debts including their enforcement in respect of
  the provision of goods and services, professional
  fees and dishonoured cheques
• Restrictive CovenantThe cost of pursuing a
  claim against any employee or former employee who
  is in breach of a restrictive covenant contained
  in his or her contract of employment.

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Enhanced Cover Rates

• You have two options
• Keep Indemnity at 65,000 or
• Increase it to the maximum 100,000

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Summary

• Disruption to business minimised
• Disruption to customers and staff minimised
• Peace of mind someone to turn to
• Able to focus on core business activities
• Protection from potential awards penalties

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Thank You