
Calculate and take out your business legal expenses insurance
With business legal expenses insurance, you get legal help and advice from specialists in the event of an unexpected conflict that has arisen from the conduct of activities of your business or profession.
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More than 10 years of insurance experience

All about business legal expenses insurance
Looking for business legal expenses insurance for your business? As a business owner, you deal with multiple parties, such as buyers, staff, suppliers, etc. Hiring legal assistance is a pricey item. Therefore, provide yourself and your company with legal support and advice in business conflicts with an inexpensive business legal expenses insurance from alpina.nl
There are many ways in which you, as a business owner, can become involved in a legal conflict. With business legal expenses insurance, you get legal help and advice from specialists in the event of an unexpected conflict that has arisen from the conduct of activities of your business or profession.
You will also be reimbursed for the cost of this legal help. These include litigation costs and costs of independent experts.
Why get business legal expenses insurance?
Business legal expenses insurance provides you with legal support for conflicts with suppliers or customers, for example, as well as for internal matters such as conflicts with your staff. Such legal matters can often turn into complex and time-consuming cases for which many entrepreneurs do not have the time and/or necessary knowledge. This is why it is advisable to take out legal assistance insurance for companies. This way you know you can fall back on a legal specialist in the event of any conflicts and they will make sure you get what you are entitled to.
Can I get business legal expenses insurance?
With business legal expenses insurance, a number of things are covered by default and there are additional coverages you can choose.
You will get legal help in conflicts about labor law, insurance, permits, environment, criminal and disciplinary matters, real estate used by you, agreements with suppliers and customers or buyers who do not pay, among other things.
Standard business legal expenses insurance coverage includes:
- Business or professional practice
- Collection
- Traffic
The elective coverages in business legal expenses insurance are:
- Legal aid for motor vehicles
- Legal aid for individuals
Business or professional practice
You get legal help for conflicts arising from the conduct of your company's activities.
Collection
You are insured for collection assistance. For example, if a client or customer refuses to pay an invoice, your insurer will take over the collection process from you.
Traffic
You will get legal help if you want to recover damages and personal injuries sustained in traffic. You will also get help in criminal cases.
Legal aid for motor vehicles
With this additional coverage, you get legal help in the event of a conflict over motor vehicles you use for your business.
Legal aid for individuals
Business legal expenses insurance is expandable with private legal expenses insurance. With this additional coverage, you and your family will receive legal help in the event of a conflict over a private matter.
What kinds of coverages are available with business legal expenses insurance?
Legal expenses insurance business covers various disputes, which arise from the exercise of business or profession. Your business is covered for legal support and advice for, among other things:
- Conflicts with buyers / customers over services / products provided
- Conflicts with suppliers over procurement
- Conflicts with the government (e.g., permits)
- Legal advice on personnel
- Legal advice on social legislation
- Legal advice on buying, renting and maintaining business premises
There is often an unlimited amount of coverage.
You can expand the legal expenses insurance for businesses to include the following coverages, among others:
- legal assistance commercial motor vehicles
- private legal aid for owners or partners
Coverage restrictions
There are some coverage limitations, namely:
For conflicts arising within 3 months of the effective date of the insurance, you will not receive legal assistance. This waiting period does not apply when it comes to recovering damage to property or persons. For collection assistance, the claim must have arisen during the term of the insurance or within 3 months before the insurance was taken out.
For conflicts from €350,- you will receive legal assistance. There is no minimum amount for criminal and disciplinary cases, conflicts regarding damages in traffic and for collection assistance.
What are the benefits of legal expenses insurance for businesses?
Briefly summarize some of the benefits:
- Legal support for conflicts with staff or business partners
- Legal support if you are sued
- Legal support if you want to take steps
- Support in general legal matters
As a self-employed person, do I need to take out business legal expenses insurance?
Are you having problems with a supplier? Or are you dealing with a long-term debtor who just won't pay? If so, you may want to take legal action. Unfortunately, legal help is quite expensive. Costs can easily run into the hundreds, if not thousands, of euros. For a sole proprietor, these are quickly high expenses that you cannot simply afford.
That is why there is legal expenses insurance for a self-employed person. Such insurance allows you to get the legal help you need up to a certain amount.
What value does legal expenses insurance add to an AVB?
Many business owners have taken out liability insurance. In addition to business liability insurance (AVB), it may be wise to purchase business legal expenses insurance. As a business owner, you deal with many different parties. Should you be held liable by one or more of these parties, such as customers or suppliers, liability insurance usually covers these damages. If you do not agree with a claim and cannot resolve it with the other party yourself, then legal assistance insurance can help. Should legal assistance be necessary to resolve a business conflict, then you are assured of legal help and advice with business legal assistance insurance. Without legal assistance insurance you, as an entrepreneur, will have to pay for legal costs yourself.
What is not covered with business legal expenses insurance?
You are not insured if you report the conflict too late. Furthermore, intentional and pre-existing conflicts are also excluded. In addition, you will not receive legal assistance for conflicts that do not relate to the normal or usual activities of your business or profession. Conflicts over taxes, such as a tax assessment, levies, import duties or excise duties are also excluded.
By default, some things are excluded from coverage. If you commit fraud when taking out insurance or in the event of a claim, for example. Or if there is intent or recklessness or criminal and punishable activity in the event of a claim. Molest is also excluded from coverage by default.
Communicating changes is important
If you apply for insurance or have a claim, you must answer questions. You must answer these questions honestly. In addition, you must do as much as you can to prevent and limit damage. Report damage as soon as possible! Furthermore, it is important to inform us if things change.
Simple calculation and conclusion
Through our website you can easily calculate premiums. After entering a few details, a number of insurance policies will appear, tailored to your needs, with the corresponding premiums and policy conditions. You can compare these. If you have found a suitable insurance, you can take it out immediately. Are you having problems or do you have any questions? Then you can contact us. You can reach us by phone at 088 - 688 37 12.
How does Alpina work?
As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.
Not good, money back! (14 days)
Your application for insurance is reviewed quickly, 24 hours a day, 7 days a week. You can then immediately hit the road insured with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.
Supervision
Alpina complies with all legal requirements of the AFM. Thus, we have the necessary licenses and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).
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