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Running a business can be an exciting adventure, full of opportunities to grow a brand, build strong customer connections, and collaborate with suppliers. But alongside the rewards can come challenges - employee disputes, supplier disagreements, licence issues, and regulatory hurdles can unexpectedly disrupt even the best-laid plans.

In 2024 alone, requests for assistance from small-business owners surged by 50%, with payment disputes making up 42% of all cases handled by the Australian Small Business and Family Enterprise Ombudsman.

Business Legal Expense Insurance (LEI) is a smart, cost-effective solution that empowers businesses to tackle legal issues head-on without the stress of hefty costs. From supporting sole traders to SMEs and covering a broad range of industries, LEI provides access to expert legal support*, letting your clients focus on thriving, not just surviving.

 
Legal Support Where It’s Needed

Business LEI provides essential protection for a wide range of legal matters that your clients may encounter in their day-to-day operations. Made for businesses of all sizes, it ensures there’s a solution no matter the industry or challenge.

Employment disputes: Covers legal costs for defending against claims, such as unfair dismissal.
Property disputes: Protects businesses with legal action when facing damage, trespass, or nuisance on their premises.
Licensing issues: Assists in challenging or resolving the revocation or suspension of business licences.
Tax investigations or audits: Provides access to expert advice and covers costs associated with tax audits or investigations.
Contract disputes: Covers legal expenses for resolving issues with suppliers or customers.

* insured events

 
Real Support When It’s Needed Most

Imagine this: Your client owns a family restaurant, and suddenly they are faced with a major upset - a salmonella outbreak is linked to their business, and the Regulator imposes strict new conditions on their food storage licence. With little legal knowledge and not understanding their obligations fully they are unsure where to turn - It’s a stressful and overwhelming situation.

Fortunately, this client had ARAG’s Business LEI and had declared their license when the cover had been taken out. With the guidance of an ARAG-appointed legal expert, they successfully challenged the licence conditions and had them reviewed and understood their legal obligations moving forward. The result? Their business stayed on track without crippling legal costs.

With Business LEI, you can help your clients face even the toughest challenges with confidence.

 
Benefits Beyond the Courtroom

In addition to covering legal action, having Business LEI with ARAG comes with a number of valuable extra benefits that can support businesses further:

Business owners have access to a dedicated ARAG LegalAssist - legal information hotline, offering guidance on a wide range of issues, from employment law to compliance.
ARAG provides access to a dedicated document centre, offering essential templates for both business and personal matters including, contracts, wills, and other related documents, helping businesses stay organised and prepared.
 

Keep your clients from having to face legal challenges alone.
Email us today via to find out how Business LEI can protect their business and give them the freedom to focus on achieving their goals.

 

ARAG Services Australia Pty Ltd (ABN 14 627 823 198) (ARAG) has been granted delegated authority by the Insurer to enter into, vary or cancel Policies and handle Claims on their behalf. In providing these services, ARAG acts on behalf of the Insurer and not as Your agent. ARAG is authorised to provide financial services in accordance with its Australian Financial Services Licence (AFS Licence number 513547). Any advice provided by ARAG in relation to this product is general in nature and does not take into account Your individual circumstances.
The Insurer is detailed in your policy documents.

All enquiries should be addressed to ARAG.

Any advice contained on this website is general advice only and has been prepared without considering your individual objectives, financial situation or needs. Before purchasing or renewing a product we recommend that you consider if it is suitable for your circumstances and read the policy terms and conditions.