My main business policy is with Revive — should I buy this?

No — add legal expenses as an option inside that policy at quote instead. It's usually the simpler route: one policy, one renewal, no overlap. This standalone product exists for businesses whose main policy is with another insurer. If you're not sure which applies to you, call us before buying.

Is this required by law?

No. Commercial Legal Expenses isn't compulsory. It covers the legal costs of running a business — employment claims, HMRC investigations, contract and property disputes — which can be expensive even when you're in the right. The cover the law does require if you have staff is employers' liability insurance, which is separate.

Can I claim immediately?

You can use the helpline from day one, but legal cover applies to matters that arise during the policy and that you didn't already know about when you took it out. A claim also has to have reasonable prospects of success, and you need our consent before running up costs.

What’s covered if I’m being sued by a customer?

Contract disputes over the goods or services you've provided are covered where the amount in dispute is over £1,000, with cover limited to 75% of that amount. Note this is legal-expenses cover, not liability cover — if a customer claims you caused them injury or loss, that's what your public or professional liability policy is for.

Does it cover regulatory fines?

No. Fines, penalties and court-ordered criminal costs aren’t covered (with limited exceptions under the Employment Defence and Data Protection sections). The policy covers the legal costs of defending or pursuing a matter, not the fines themselves.

How is my premium calculated?

Underwriters assess certain risk factors such as your sector, size, turnover, number of employees and the covers you select — plus any optional add-ons such as Motor Disputes. We don't add a loyalty loading at renewal.

Commercial Legal Expenses

Legal cover for the messy business stuff.

Name: Commercial Legal Expenses
Brand: Revive Insure

Employment defence, HMRC investigations, contract disputes, statutory licence appeals — legal costs and representation when you need them. Plus three things you get free with the policy: a legal/tax helpline, undisputed debt recovery, and 24/7 counselling for your staff.

Get a quote See Business cover

Need this in a different format, or prefer to do this by phone? We can help.

Sample business policyillustrative

SME, up to 10 staff — illustrative

from£79 a year

Indicative only — your price depends on your details.

Typically includes

Up to £250,000 legal cover per claim
Employment defence & HMRC investigations
Free legal helpline + staff counselling

Get my own quote

FCA-approved AR
UK underwritten
FSCS protected

Revive Insure Limited is an Appointed Representative of Innovative Risk Labs Ltd, under Firm Reference Number 1040766. Innovative Risk Labs Ltd are authorised and regulated by the Financial Conduct Authority under FRN 609155. We are registered in England and Wales under registered company number 16421370. Registered Office Address: First Floor 5 High Street, Westbury-On-Trym, Bristol, BS9 3BY.

Already have, or buying, a business policy with us?

Legal expenses is available as an option inside that policy — add it at quote instead of buying this separately. This standalone product is for businesses insured elsewhere.

See Business cover

What’s covered

The full list of what it protects.

Employment defence and compensation awardsTribunal representation if an employee, ex-employee or prospective employee brings a claim. The policy also pays compensation awarded against you, up to the indemnity limit.
Tax investigations and disputesHMRC enquiries into your business returns. Employers’ Compliance. VAT disputes with HMRC.
Legal defenceDefending you or an employee in a criminal prosecution, including before proceedings are issued. Civil actions for wrongful arrest after a theft accusation. Statutory Notice appeals.
Property disputesDamage to your business property. Nuisance and trespass. Recovering premises from an employee or ex-employee.
Contract disputesPursuing or defending disputes over the purchase, hire, sale or provision of goods or services. The amount in dispute must be over £1,000, and cover is limited to 75% of the amount in dispute.
Statutory licence appealsAppealing a government or local authority decision to suspend, cancel, alter or refuse to renew your business licence.
Employment pursuitPursuing an employee or ex-employee for breach of their employment contract.
Data protection appealsDefending civil actions for compensation under Section 13 of the Data Protection Act. Appealing the Information Commissioner’s refusal to register your business.
Personal injury pursuitPursuing a personal injury or clinical negligence claim on behalf of an insured person or their family. Amount claimed must be over £1,000.
Loss adjuster’s feesFees in preparing and negotiating a claim under your buildings, contents or business interruption policy, where liability isn’t contested. Claim must be over £10,000.
Jury service and witness attendance allowanceUp to £1,000 per claim for an insured person’s lost wages when they’re attending jury service or a court/tribunal for a claim under this policy.

What’s not covered

The fair-warning list.

No small print, no surprises. Here’s exactly what this policy doesn’t cover.

Costs run up before the insurer accepts the claim, or without the insurer’s consent
Disputes that existed or that you knew (or should have known) about before cover started
Deliberate or reckless acts, claims alleging dishonesty, and defamation (libel or slander)
Defending a professional-duty claim or a claim against you as a director or officer, and property damage or injury defence
Disputes with government or local authorities over statutory charges; judicial reviews and challenges to legislation
Shareholder and partnership disputes, and disputes with a subsidiary, parent or associated company
Fines, penalties and court-ordered criminal costs (limited exceptions under the Employment Defence and Data Protection sections)
Intellectual property — patents, copyright, trade marks, confidential information (except under Employment Pursuit); franchise and agency-rights disputes
Disputes with the insurer itself

Conditions you have to meet: A claim must have reasonable prospects of success — more likely than not to succeed — assessed on the merits of each individual claim; you must report it as soon as possible and within the period of insurance; and you must act as if uninsured to keep costs down.
Excess and co-insurance: An excess applies as shown in your schedule. A 40% co-insurance applies if you choose your own representative and they won’t accept the insurer’s standard charging rates.
Where you’re covered: The UK, Isle of Man and Channel Islands; the circumstances must arise during the period of insurance and within the territorial limits.

This is a summary. Your policy wording (BTE Commercial LEI) sets out the full list of exclusions and conditions — please read it.

Tell us at quote →

Things to know

Limits, excesses, conditions.

Indemnity ceilingUp to £250,000 per claim across most sections. Jury Service and Witness Attendance capped at £1,000 per claim. Aggregate £1,000,000 per policy period.
Standard excessesContract Disputes — £500 if the dispute is over £5,000. Statutory Licence Appeals — £250. Employment Pursuit — £2,500. Motor Disputes (optional) — £250, or £500 on a motor contract dispute over £5,000.
Co-insurance40% if you use a representative who’s not on our panel and who doesn’t agree to our standard charging rates.
More-likely-than-not testA claim has to be more likely than not to succeed at every stage. Temple’s legal team makes the call.
Territorial limitsUK, Isle of Man, Channel Islands. Applicable law England and Wales.
12-month policy termAnnual cover, renewable.
Priced by business turnoverYour premium is banded by annual turnover — businesses up to £5m turnover can quote online; above that, call us.

Optional cover — Motor Disputes

Add motor cover if your business runs vehicles.

Uninsured loss recovery
Pursuing uninsured losses after a non-fault accident involving an insured vehicle.
Add at quote
Motor contract disputes
Disputes over the sale, purchase, hire, servicing, repair or maintenance of an insured vehicle. Over £1,000, 75% cap.
Add at quote
Vehicle operator licence appeals
Appeals against suspension or cancellation of a licence to operate an insured vehicle.
Add at quote
Defence of motoring prosecutions
Criminal prosecution defence relating to the use or ownership of an insured vehicle. Excludes fixed penalty offences, speeding, and driving under the influence.
Add at quote
Off by default. You add what you want.

Motor Disputes is a separate underwriting question at quote. Excess on a motor contract dispute over £5,000 is £500; otherwise £250.

Included at no extra cost

What comes with the policy.

Complimentary additional cover with every Commercial Legal Expenses policy, meaning no cost to you.

Advisory helplines

UK commercial legal + tax advice for you, plus a confidential 24/7 counselling line for your staff. Use them before a dispute lands, not just during one.

Undisputed debt recovery service

Help recovering money owed by other parties — at your expense for the fees, but with proper process behind it. Disputed debts get handled under Contract Disputes instead.

See Business cover →

Sold separately · pairs with Business cover

Who this is for

Built for small and medium UK businesses.

Particularly useful if you employ people, rely on customer or supplier contracts that could be disputed, or operate in a regulated sector where investigations are more common.

Anyone with employees
Employment tribunal cases are expensive even when you win.
Anyone invoicing customers
Recovery costs can outstrip the debt without help.
Tenants of commercial property
Lease, dilapidation and premises disputes covered.
Regulated sectors
Higher exposure to HMRC and licensing investigations.

How claims work

Three steps. A real person, every time.

01
Call Temple
To start a claim, call 020 4652 0136 and select the claims option — this routes you to the Temple Legal Protection claims line. You can also reach Temple directly on 01483 577 877 or claims@temple-legal.co.uk.
02
They assess
A claims handler takes the details. Temple’s legal team makes the more-likely-than-not call.
03
They act
Legal representation, defence or recovery — whichever applies. Use our panel of representatives or your own (subject to the 40% co-insurance rule).

Common questions

Common questions.

Independently reviewed

Revive Insure Limited is an Appointed Representative of Innovative Risk Labs Ltd (FCA FRN 609155). Policy wording and customer-facing content reviewed by IRL before publication.

Read the regulatory detail View policy documents

Still got a question?

Talk to a real person. We answer the phone, we read the email, and we don’t deflect to a chatbot.

Want to understand the basics?

Browse all explainers

Who provides this cover

The companies behind this policy.

Arranged by: Revive Insure Limited (Company No. 16421370), Appointed Representative of Innovative Risk Labs Ltd, FRN 1040766. Innovative Risk Labs Ltd are authorised and regulated by the Financial Conduct Authority under FRN 609155.
Underwriting agent / scheme administrator: Temple Legal Protection Limited, FRN 303704. Authorised and regulated by the Financial Conduct Authority.
Underwritten by: Royal & Sun Alliance Insurance Ltd, FRN 202323. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Claims handled by: Temple Legal Protection Limited.

Verify any FCA-regulated firm above on the Financial Services Register at register.fca.org.uk.

Cover for when business gets messy.

Quote alongside your Business policy, or on its own.

Get a quote

The from-price shown is the lowest annual premium including Insurance Premium Tax; your price depends on your details. Editorial owner: Dan.

Commercial Legal Expenses

Legal cover for the messy business stuff.

Get a quote See Business cover

Need this in a different format, or prefer to do this by phone? We can help.

Sample business policyillustrative

SME, up to 10 staff — illustrative

from£79 a year

Indicative only — your price depends on your details.

Typically includes

Up to £250,000 legal cover per claim
Employment defence & HMRC investigations
Free legal helpline + staff counselling

Get my own quote

FCA-approved AR
UK underwritten
FSCS protected

Already have, or buying, a business policy with us?

Legal expenses is available as an option inside that policy — add it at quote instead of buying this separately. This standalone product is for businesses insured elsewhere.

See Business cover

What’s covered

The full list of what it protects.

Employment defence and compensation awardsTribunal representation if an employee, ex-employee or prospective employee brings a claim. The policy also pays compensation awarded against you, up to the indemnity limit.
Tax investigations and disputesHMRC enquiries into your business returns. Employers’ Compliance. VAT disputes with HMRC.
Legal defenceDefending you or an employee in a criminal prosecution, including before proceedings are issued. Civil actions for wrongful arrest after a theft accusation. Statutory Notice appeals.
Property disputesDamage to your business property. Nuisance and trespass. Recovering premises from an employee or ex-employee.
Contract disputesPursuing or defending disputes over the purchase, hire, sale or provision of goods or services. The amount in dispute must be over £1,000, and cover is limited to 75% of the amount in dispute.
Statutory licence appealsAppealing a government or local authority decision to suspend, cancel, alter or refuse to renew your business licence.
Employment pursuitPursuing an employee or ex-employee for breach of their employment contract.
Data protection appealsDefending civil actions for compensation under Section 13 of the Data Protection Act. Appealing the Information Commissioner’s refusal to register your business.
Personal injury pursuitPursuing a personal injury or clinical negligence claim on behalf of an insured person or their family. Amount claimed must be over £1,000.
Loss adjuster’s feesFees in preparing and negotiating a claim under your buildings, contents or business interruption policy, where liability isn’t contested. Claim must be over £10,000.
Jury service and witness attendance allowanceUp to £1,000 per claim for an insured person’s lost wages when they’re attending jury service or a court/tribunal for a claim under this policy.

What’s not covered

The fair-warning list.

No small print, no surprises. Here’s exactly what this policy doesn’t cover.

Costs run up before the insurer accepts the claim, or without the insurer’s consent
Disputes that existed or that you knew (or should have known) about before cover started
Deliberate or reckless acts, claims alleging dishonesty, and defamation (libel or slander)
Defending a professional-duty claim or a claim against you as a director or officer, and property damage or injury defence
Disputes with government or local authorities over statutory charges; judicial reviews and challenges to legislation
Shareholder and partnership disputes, and disputes with a subsidiary, parent or associated company
Fines, penalties and court-ordered criminal costs (limited exceptions under the Employment Defence and Data Protection sections)
Intellectual property — patents, copyright, trade marks, confidential information (except under Employment Pursuit); franchise and agency-rights disputes
Disputes with the insurer itself

Conditions you have to meet: A claim must have reasonable prospects of success — more likely than not to succeed — assessed on the merits of each individual claim; you must report it as soon as possible and within the period of insurance; and you must act as if uninsured to keep costs down.
Excess and co-insurance: An excess applies as shown in your schedule. A 40% co-insurance applies if you choose your own representative and they won’t accept the insurer’s standard charging rates.
Where you’re covered: The UK, Isle of Man and Channel Islands; the circumstances must arise during the period of insurance and within the territorial limits.

This is a summary. Your policy wording (BTE Commercial LEI) sets out the full list of exclusions and conditions — please read it.

Tell us at quote →

Things to know

Limits, excesses, conditions.

Indemnity ceilingUp to £250,000 per claim across most sections. Jury Service and Witness Attendance capped at £1,000 per claim. Aggregate £1,000,000 per policy period.
Standard excessesContract Disputes — £500 if the dispute is over £5,000. Statutory Licence Appeals — £250. Employment Pursuit — £2,500. Motor Disputes (optional) — £250, or £500 on a motor contract dispute over £5,000.
Co-insurance40% if you use a representative who’s not on our panel and who doesn’t agree to our standard charging rates.
More-likely-than-not testA claim has to be more likely than not to succeed at every stage. Temple’s legal team makes the call.
Territorial limitsUK, Isle of Man, Channel Islands. Applicable law England and Wales.
12-month policy termAnnual cover, renewable.
Priced by business turnoverYour premium is banded by annual turnover — businesses up to £5m turnover can quote online; above that, call us.

Optional cover — Motor Disputes

Add motor cover if your business runs vehicles.

Uninsured loss recovery
Pursuing uninsured losses after a non-fault accident involving an insured vehicle.
Add at quote
Motor contract disputes
Disputes over the sale, purchase, hire, servicing, repair or maintenance of an insured vehicle. Over £1,000, 75% cap.
Add at quote
Vehicle operator licence appeals
Appeals against suspension or cancellation of a licence to operate an insured vehicle.
Add at quote
Defence of motoring prosecutions
Criminal prosecution defence relating to the use or ownership of an insured vehicle. Excludes fixed penalty offences, speeding, and driving under the influence.
Add at quote
Off by default. You add what you want.

Motor Disputes is a separate underwriting question at quote. Excess on a motor contract dispute over £5,000 is £500; otherwise £250.

Included at no extra cost

What comes with the policy.

Complimentary additional cover with every Commercial Legal Expenses policy, meaning no cost to you.

Advisory helplines

UK commercial legal + tax advice for you, plus a confidential 24/7 counselling line for your staff. Use them before a dispute lands, not just during one.

Undisputed debt recovery service

Help recovering money owed by other parties — at your expense for the fees, but with proper process behind it. Disputed debts get handled under Contract Disputes instead.

See Business cover →

Sold separately · pairs with Business cover

Who this is for

Built for small and medium UK businesses.

Particularly useful if you employ people, rely on customer or supplier contracts that could be disputed, or operate in a regulated sector where investigations are more common.

Anyone with employees
Employment tribunal cases are expensive even when you win.
Anyone invoicing customers
Recovery costs can outstrip the debt without help.
Tenants of commercial property
Lease, dilapidation and premises disputes covered.
Regulated sectors
Higher exposure to HMRC and licensing investigations.

How claims work

Three steps. A real person, every time.

01
Call Temple
To start a claim, call 020 4652 0136 and select the claims option — this routes you to the Temple Legal Protection claims line. You can also reach Temple directly on 01483 577 877 or claims@temple-legal.co.uk.
02
They assess
A claims handler takes the details. Temple’s legal team makes the more-likely-than-not call.
03
They act
Legal representation, defence or recovery — whichever applies. Use our panel of representatives or your own (subject to the 40% co-insurance rule).

Common questions

Common questions.

Independently reviewed

Revive Insure Limited is an Appointed Representative of Innovative Risk Labs Ltd (FCA FRN 609155). Policy wording and customer-facing content reviewed by IRL before publication.

Read the regulatory detail View policy documents

Still got a question?

Talk to a real person. We answer the phone, we read the email, and we don’t deflect to a chatbot.

Want to understand the basics?

Browse all explainers

Who provides this cover

The companies behind this policy.

Arranged by: Revive Insure Limited (Company No. 16421370), Appointed Representative of Innovative Risk Labs Ltd, FRN 1040766. Innovative Risk Labs Ltd are authorised and regulated by the Financial Conduct Authority under FRN 609155.
Underwriting agent / scheme administrator: Temple Legal Protection Limited, FRN 303704. Authorised and regulated by the Financial Conduct Authority.
Underwritten by: Royal & Sun Alliance Insurance Ltd, FRN 202323. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Claims handled by: Temple Legal Protection Limited.

Verify any FCA-regulated firm above on the Financial Services Register at register.fca.org.uk.

Cover for when business gets messy.

Quote alongside your Business policy, or on its own.

Get a quote

The from-price shown is the lowest annual premium including Insurance Premium Tax; your price depends on your details. Editorial owner: Dan.

Legal cover for the messy business stuff.

The full list of what it protects.

The fair-warning list.

Limits, excesses, conditions.

Add motor cover if your business runs vehicles.

What comes with the policy.

Advisory helplines

Undisputed debt recovery service

Built for small and medium UK businesses.

Anyone with employees

Anyone invoicing customers

Tenants of commercial property

Regulated sectors

Three steps. A real person, every time.

Call Temple

They assess

They act

Common questions.

My main business policy is with Revive — should I buy this?

Is this required by law?

Can I claim immediately?

What’s covered if I’m being sued by a customer?

Does it cover regulatory fines?

How is my premium calculated?

Plain-English explainers, written by us.

Employers Liability Explained

FCA Complaint Routes Explained

Professional Indemnity Explained

The companies behind this policy.

Cover for when business gets messy.

Legal cover for the messy business stuff.

The full list of what it protects.

The fair-warning list.

Limits, excesses, conditions.

Add motor cover if your business runs vehicles.

What comes with the policy.

Advisory helplines

Undisputed debt recovery service

Built for small and medium UK businesses.

Anyone with employees

Anyone invoicing customers

Tenants of commercial property

Regulated sectors

Three steps. A real person, every time.

Call Temple

They assess

They act

Common questions.

My main business policy is with Revive — should I buy this?

Is this required by law?

Can I claim immediately?

What’s covered if I’m being sued by a customer?

Does it cover regulatory fines?

How is my premium calculated?

Plain-English explainers, written by us.

Employers Liability Explained

FCA Complaint Routes Explained

Professional Indemnity Explained

The companies behind this policy.

Cover for when business gets messy.