Business insurance · Cirencester & Gloucestershire
Additional insurance protection for your business
Some businesses choose specialist policies alongside their main commercial insurance. Linx Insurance Solutions can help you explore commercial legal expenses cover and motor excess protection, with options for sole traders, landlords, vehicle owners and fleets. We’re based in Cirencester and work with businesses across Gloucestershire and the UK. We’ll explain the policy terms and help you decide whether a particular option is relevant to your needs.
Commercial legal expenses
Explore legal expenses options for business disputes, tax enquiries or employment matters, depending on the policy.
Motor excess protection
Consider cover that may reimburse an eligible motor policy excess, subject to the terms and limits selected.
Cover that fits the circumstances
Additional policies vary in the events insured, who is covered, applicable excesses, benefit limits and exclusions. When discussing options, we’ll ask about your business structure, employees, property interests or vehicle arrangements as relevant. The examples below are illustrative only; current availability and terms must be confirmed for each quotation.
Commercial legal expenses insurance
Legal expenses insurance may contribute towards certain legal costs for insured disputes or investigations, where the policy conditions are met. It does not cover every legal issue, and insurers may require a reasonable prospect of success or prior approval before costs are incurred.
For sole traders
Some products are designed for businesses without employees. Depending on the wording, insured matters may include contract disputes, tax or HMRC investigations, or identity-related expenses.
For employers
Options for businesses with staff may include employment dispute cover as well as other insured business matters. Eligibility, claim limits and any turnover or staffing criteria vary by product.
For commercial landlords
Landlord legal expenses options may address specified tenancy disputes, rent recovery or possession proceedings. Cover depends on the tenancy, legal process and policy requirements.
For residential landlords
Some policies may include legal expenses for defined residential tenancy matters, with rent protection available only where offered and selected. Check the terms, conditions and exclusions carefully.
Motor excess protection
Motor excess protection may reimburse some or all of an excess paid under an eligible motor policy after an insured claim, up to the selected limit and subject to policy conditions. It is a separate policy and does not replace your motor insurance.
Single vehicles
Options may be available for privately used or business-used vehicles. Permitted use, vehicle eligibility and maximum excess limits are defined by the policy.
Hire or reward vehicles
Specialist options may be considered for vehicles used for hire or reward, subject to the insurer’s eligibility criteria and policy wording.
Motor fleets
Fleet excess protection may be available for qualifying fleet policies. Pricing and limits can depend on vehicle numbers, claims information and insurer requirements.
Motor trade
Motor trade excess options may be considered for eligible businesses. Driver numbers, vehicle use, trade activities and selected limits affect availability.
Speak with a local insurance broker
From Cirencester, Linx Insurance Solutions supports businesses in Gloucestershire and beyond. Tell us what you are looking to protect and we’ll help you understand whether additional cover may be available alongside your existing arrangements.
Discuss additional protection
Contact our team to talk through your business, legal expenses or motor excess requirements.
All cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. Legal expenses cover is not legal advice. Confirm current product availability and wording before relying on any benefit.