Calculate and Purchase Your Business Legal Protection Insurance

Business legal expense insurance provides you with legal support in the event of disputes with, for example, suppliers or customers, as well as in internal matters such as disputes with your employees. Such legal matters can often escalate into complex and time-consuming cases that many business owners do not have the time and/or expertise to handle. That is why it is advisable to purchase legal protection insurance for businesses. This way, you know that in the event of a dispute, you can rely on a legal specialist who will ensure you receive what you are entitled to.

With business legal protection insurance, certain matters are covered as standard, and there are additional coverages you can choose.
You’ll receive legal assistance in disputes involving, among other things, employment law, insurance, permits, environmental issues, criminal and disciplinary matters, real estate you use, agreements with suppliers, and customers or clients who fail to pay.

The standard coverage under a business legal expense insurance policy includes:

• Business Operations or Professional Practice
• Debt Collection
• Traffic

The optional coverages under a business legal assistance insurance policy are:

• Legal Assistance for Motor Vehicles
• Legal Assistance for Individuals

Business Operations or Professional Practice

You will receive legal assistance with disputes arising from your company's business activities.

Debt Collection

You are covered for debt collection assistance. For example, if a client or customer refuses to pay an invoice, your insurer will take over the debt collection process for you.

Traffic

You can receive legal assistance if you wish to seek compensation for property damage and personal injury sustained in a traffic accident. You can also receive assistance in criminal cases.

Legal Assistance for Motor Vehicles

With this supplemental coverage, you’ll receive legal assistance in the event of a dispute involving motor vehicles you use for your business.

Legal Assistance for Individuals

Business legal expense insurance can be expanded to include personal legal expense insurance. With this supplemental coverage, you and your family will receive legal assistance in the event of a dispute regarding a personal matter.

Business legal expense insurance covers various disputes arising from the conduct of your business or profession. Among other things, your business is covered for legal support and advice in the following situations:

• Disputes with customers regarding services or products provided
• Conflicts with suppliers regarding procurement
• Conflicts with the government (e.g., permits)
• Legal Advice on Human Resources
• Legal advice on social legislation
• Legal advice on the purchase, lease, and maintenance of commercial property

In many cases, there is an unlimited coverage limit.

You can expand your business legal expense insurance to include the following types of coverage, among others:

• Legal Assistance for Commercial Motor Vehicles
• Legal assistance for individuals—owners or business owners

There are a number of coverage limitations, namely:
You will not receive legal assistance for disputes that arise within 3 months of the policy’s effective date. This waiting period does not apply to claims for damages to property or personal injury. For debt collection assistance, the claim must have arisen during the term of the policy or within 3 months prior to the policy’s effective date.

You are eligible for legal assistance for disputes involving amounts of €350 or more. There is no minimum amount for criminal and disciplinary cases, disputes involving traffic accidents, and debt collection assistance.

Here’s a quick overview of some of the benefits:

• Legal support in disputes with employees or business partners
• Legal Support If You Are Sued
• Legal assistance if you wish to take action
• Assistance with general legal matters

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 assistance is quite expensive. The costs can quickly run into the hundreds, if not thousands, of euros. For a self-employed person, these can quickly become significant expenses that you simply can’t afford.

That is why there islegal expense insurance for self-employed individuals. With this type of insurance, you can receive the legal assistance you need, up to a certain amount.

Many business owners have liability insurance. In addition togeneral liability insurance (AVB), it may be wise to purchasebusiness legal protection insurance. As a business owner, you deal with many different parties. If you are held liable by one or more of these parties—such as customers or suppliers—liability insurance usually covers these damages. If you disagree with a claim and cannot resolve the matter with the other party on your own, legal assistance insurance can provide a solution. If legal assistance is necessary to resolve a business dispute, business legal protection insurance ensures you have access to legal assistance and advice. Without legal protection insurance, you, as a business owner, will be responsible for covering legal costs yourself.

You are not covered if you report the dispute too late. Furthermore, intentional acts and pre-existing disputes are also excluded. In addition, you will not receive legal assistance for disputes that are not related to the normal or customary activities of your business or profession. Disputes regarding taxes, such as tax assessments, levies, import duties, or excise taxes, are also excluded.

By default, certain circumstances are excluded from coverage. For example, if you commit fraud when taking out an insurance policy or when filing a claim. Or if the loss results from willful misconduct, recklessness, or criminal or unlawful activities. Acts of war are also excluded from coverage by default.

When you apply for insurance or file a claim, you’ll need to answer some questions. You must answer these questions honestly. You must also do everything you can to prevent and minimize damage. Report any damage as soon as possible! It’s also important to let us know if anything changes.

You can easily calculate your premium on our website. After entering a few details, you’ll see a number of insurance plans tailored to your needs, along with their corresponding premiums and policy terms. You can compare these options. Once you’ve found a suitable insurance plan, you can purchase it right away. If you’re having trouble or have any questions, pleasecontactus. You can reach us by phone at 088 – 688 37 12. We’re happy to assist you.

As an intermediary, we are not part of any insurance company. This means we have no financial or sales obligations to the companies we work with. When comparing insurance policies, we take into account your personal situation and specific coverage needs. Alpina makes insurance straightforward and fast.

Not satisfied? Get your money back! (14 days)

Your insurance application will be reviewed quickly, 24 hours a day, 7 days a week. You can then hit the road right away, knowing you’re fully covered. You also don’t need to worry about your old insurance policy—you can cancel it directly online through us.

Supervision

Alpina complies with all legal requirements set forth by the AFM. We hold the necessary licenses and certifications and are members of the Financial Services Complaints Institute (Kifid).