Legal Protection Insurance

Expert legal defence, protection against HMRC tax enquiries, and cover for lost income if you’re called for jury service – all in one place.

What is Legal Protection Insurance?

Legal Protection Insurance covers the cost of defending or pursuing legal disputes and provides expert representation for HMRC tax enquiries. It protects self-employed professionals against unexpected legal costs, tax investigations, and even loss of income if you or your employees are called up to jury service.

Get cover for as little as

£ 5 .88

per month

Protecting your peace of mind: expert legal and financial support when it counts

Life is full of surprises, but unexpected legal costs shouldn’t be one of them. With this vital policy, you’ll have expert support every step of the way should the worst happen, from obtaining initial legal advice free of charge to covering solicitors fees in legal proceedings. Whether you're dealing with contract disputes with clients, agencies or suppliers, you get a dreaded letter from HMRC, or even lose income due to jury service, Legal Protection Insurance means you can face it all with confidence.

Should you be subject to an HMRC investigation, our team of experts - including former HMRC tax inspectors - will manage your case from start to finish, including all correspondence with HMRC. 

What does Legal Protection Insurance cover?

Jury Service
Up to £500 per day (with £5,000 total limit) should you be called to jury service
Legal Defence Costs
Up to £50,000 for the legal costs of defending or pursuing a range of legal disputes
HMRC Enquiries & Disputes
Up to £50,000 to cover the professional fees of one of our experts to defence your case.
Thoughtful contractor

Comprehensive legal and tax protection – when you need it most

  • Up to £50,000 in legal defence costs for contract disputes, debt recovery, personal injury, criminal prosecutions, and more.
  • Qdos expert representation is provided as standard
  • We’ll help you take your case to commissioner’s hearing/tax tribunal where necessary (subject to prospects of success)
  • We’ll make sure you get your tax right at the outset with a free IR35 Contract Assessment, with the opportunity to upgrade to unlimited assessments during your application.

Frequently Asked Questions

Legal Protection Insurance is essential for self-employed professionals, contractors, freelancers, and small business owners who want to safeguard themselves against unexpected legal costs and tax enquiries. If you file self-assessment tax returns, navigate IR35 regulations, or manage business contracts, this policy provides expert support and financial protection.

Yes! Provided you received the letter from HMRC after your policy starts and you’re not claiming for an ongoing investigation, we’ll cover you regardless of the tax year the enquiry relates to.

If you get called up for jury service, your policy will give you up to £500 per day with a total limit of £5,000 to help you with your income whilst you’re unable to work.

To claim, you’ll need to provide us with:

  1. Evidence of your day rate e.g. a copy of your contract
  2. A copy of your summons letter
  3. Confirmation form from the courts that jury service was attended

Your policy will pay out the amount you lost from attending, less any recovery provided by the court. So, if your day rate is £300 per day and the court gives you £50 per day, we’ll give you £250 for up to 20 days of jury service. If your day rate is £700 per day (kudos!) then we’ll pay you £500 per day for up to 10 days of jury service.

 
Why Qdos?
Self-employment is our everything. In fact, we’ve been specialists in the industry since 1988.

We’re business insurance and employment status enthusiasts. We get a kick out of simplifying the complex world of compliance so you don’t have to.
All of our policies include the following as standard:
A dedicated Account Manager
We'll never pass you around a call centre
 
Online account for 24/7 access
Manage your policies at a time that suits you
Free IR35 Contract Assessment
Because IR35 compliance starts with the written contract
Price Match Promise
If you find an equivalent policy elsewhere, we promise to match the price

Have a question?

Ask away! One of our team will get back to you

Prefer to talk to us in person?

Call our team on 0116 269 0999 or we can call you back at a time that suits you!