
Chamber Legal Expenses
Providing FREE legal expenses cover for members of the Northern Ireland Chamber of Commerce and Industry as part of your membership package.
The Service:
Running a business without commercial legal expenses insurance is a risk you can't afford to take. With legal fees of around £150 per hour and with compensation awards for unfair dismissal achieving up to £65,000, now is the time to act - and there couldn't be a better time.
The Northern Ireland Chamber of Commerce and Industry has teamed up with Composite Legal Expenses to offer cover free of charge. The insurance will pay up to £65,000 of your legal fees and up to £65,000 towards the costs of an employment related claim.
Cover includes:
- Employment disputes and employment awards
- Prosecutions brought against your business
- Personal injury claims
- Business motoring
- Jury Service and attendance allowance
- Statutory licenses
- Data Protection Act
- Property legal protection
- Landlord disputes
- Tax, VAT, PAYE, and NIC Investigations including
- Inland Revenue Schedule D and Corporation Tax Investigations
Benefits:
- Immediately available to paid up members
- Cover for up to £65,000 in legal fees
- Cover for up to £65,000 of awards
- Guaranteed quality service
- Peace of mind
Commercial Legal Expenses Insurance is provided by Composite Legal Expenses Ltd, a leading national consultancy, which is endorsed by the British Chambers of Commerce and with terms underwritten by Groupama Insurance Company Limited.
The Policy
The policy offers legal fees up to £65,000 and, as with most insurance policies, an excess applies- for this policy £1,000 for all claims (except for Jury Service).
Plus, Excess Waiver
Should you wish to purchase the Enhanced Cover package, the excess applicable under the membership benefit insurance is automatically deleted.
Exclusions:
The Insurer shall not be liable for any claim for indemnity in respect of or arising from or relating to:
3.1 a dispute of which the Time of Occurrence (as defined in clause 19.9) was within the first 90 days of the first Period of Insurance in the case of an employee who was subject to a written or verbal warning or involved in a dispute arising from his employment within the 6 months immediately preceding such period; or
3.2 a claim against the Insured in respect of damages for personal injuries to the claimant and/or loss of or damage to his property.
3.3 the Insured's failure to follow the procedures prescribed by the Commercial Legal Helpline
3.4 a dispute where the Insured has failed to consult the Commercial Legal Helpline immediately upon the Insured becoming aware of the dispute or potential dispute or where the Insured has failed to heed the written advice of a Panel Solicitor
How do members access Chamber Legal Expenses?
Please telephone 029 2034 9610 and quote the name of your Chamber and your Chamber membership number or visit the Chamber Legal Expenses website.
Download the Legal Expenses Flyer here.
Download the Chamber Legal Expenses powerpoint presentation here.
Chamber Legal Advice Line - complementing Chamber Legal Expenses
Providing members of the Northern Ireland Chamber of Commerce and Industry with FREE unlimited access to qualified advice - 24 hours a day, 7 days a week, 365 days a year, as part of your membership package.
The Service:
As companies concentrate on core business activities and focus on survival, what would happen if they were faced with an escalating personnel issue, the threat of litigation or a health and safety problem? Do they have the expertise in all these fields to protect their business?
If these issues affect you then the Northern Ireland Chamber of Commerce and Industry is here to help.
As a member of the Northern Ireland Chamber of Commerce and Industry you can gain access to Chamber Advice Line. This scheme is provided to fully paid Chamber members only. This service is provided by Composite Legal Expenses Ltd., a leading national consultancy that is endorsed by the BCC and is committed to reducing the burdens of dealing with the regulations facing businesses today.
The service provides you with:
- Qualified advice 24 hours a day
- Available 7 days a week
- No restriction on call duration
- No restriction on call frequency
- Guaranteed Quality Service
- Peace of Mind
- Dedicated Advice Line Card
As well as professional help on:
- Commercial Law
- Employment Law
- Health & Safety Legislation
- Environmental Health
- Tax & VAT Issues
- Construction Safety
Benefits:
- Direct access to professional advice 24 hours a day
- Free help and advice irrespective of the number of calls made
- Expert advice available on the telephone whenever a problem arises
- Exclusive service, tailored to Chamber Members
- Guaranteed quality service from a national provider
How do Members use Chamber Legal Advice Line?
Simple – just call 0870 220 8515 and quote the name of your Chamber and your Chamber membership number.













