Legal cover will account for a set amount towards any legal costs incurred from death, illness or injury caused by a third party during your trip abroad.
There are a large number of conditions that come with this type of cover, often the insurance provider will require full control over any legal proceedings and you may be required to pay for the company's expenses that you do not manage to claim back.
Insurance policies will not provide cover for legal expenses that:
- Are against the insurance provider itself, a travel agent or a tour operator
- Are resulting from injury or accident due to your business
- Arose from a criminal or malicious act on your part
Be sure to check your insurance provider's small print very carefully for conditions of legal cover.
Personal liability
Some insurance policies may pay you up to a set limit if you are found to be legally liable for accidental loss or damage of someone else's possessions or accidental damage to another person.
This will not be valid if:
- The person is an employee or family member
- The damage came about due to your business
- The damage arose from a criminal or malicious act on your part
Again, be sure to check the small print for more information on what you will be covered for under a personal liability clause. Any exclusions should be shown clearly on your policy - this is especially important if hiring out motor or sporting equipment.