Is there a legal expenses insurance that covers both business and private matters?
Legal expenses insurance is for both individuals and business owners. With a legal expenses insurance you secure legal help or advice in case of conflicts. Legal expenses insurance can be a good idea for both private and business purposes. In the unlikely event that you end up in a conflict, a legal expenses insurance saves you a lot on legal costs. It's well worth the investment. But what about if you want to get legal assistance insurance for both your private and business life? Is there an insurance that provides coverage in both areas? At Alpina.nl we looked into it for you.
What is the difference between business and private?
Business and private legal expenses insurance are not the same. The difference lies in the conflicts that are insured. A business legal assistance insurance provides you with legal support in conflicts with suppliers or customers for example, but also in internal matters such as conflicts with your staff. A legal assistance insurance for private individuals has a modular structure. You choose which modules you wish to take out. There are 4 modules in total: Consumer & Housing, Income, Traffic and Tax Law & Assets. With a private legal assistance insurance you can cover conflicts such as a quarrel with your neighbours about the garden fence or a traffic conflict. Business disputes are not covered with a private legal assistance insurance.
Business legal expenses insurance
As an entrepreneur, you naturally have to deal with many different stakeholders, such as suppliers, debtors, carriers and employees. As a result, a legal conflict is sometimes just around the corner. Think, for example, of a supplier who fails to deliver his product on time, causing you problems. Or a debtor who refuses to pay. Sometimes such a dispute can be resolved through a good conversation, but it can also happen that you need legal assistance. Legal assistance is quite expensive and the costs can quickly run into hundreds or thousands of euros. With a business legal assistance insurance you will be reimbursed for legal help up to a certain amount.
Private legal expenses insurance
Private legal expenses insurance is a legal assistance insurance for private persons. Legal assistance insurance is not obligatory and is often only considered when it is too late. A legal assistance insurance has a waiting period. This means that you cannot make a claim immediately after taking out the insurance. Moreover, ongoing conflicts or conflicts that you could have seen coming, such as an announced reorganisation, are excluded from coverage. A private legal assistance insurance offers legal help in different legal areas, for example in case of a conflict between private person and organisation, between neighbours or between private person and government. With a legal assistance insurance you do not have to solve the dispute yourself, but the insurer takes the matter out of your hands.
Take out legal expenses insurance directly through Alpina
At Alpina.nl you can take out both business and personal legal expenses insurance. With our online comparison tool you can easily compare different insurers. Have you composed your legal expenses insurance to your liking? Then you can take out the insurance quickly and easily. Do you still have a question? Then we will gladly help you. Call us at telephone number 088 - 6883700 or send us a message via chat, WhatsApp or Messenger.
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