You will receive access to over 100 RoSPA accredited and CPD-certified online training courses from flick learning including Child Safeguarding Level 3, E-Safety and Mental Health Awareness.

Free access to a wide range of market-leading retail discounts for you and your family. 

ARAG plc provides expert advice on a range of business-related legal and tax matters including employment and law disputes. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).

Your query will be dealt with by a qualified specialist experienced in handling tax-related matters. This service is provided by ARAG and is available Monday to Friday from 9am - 5pm. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).

ARAG Business Legal Service is a free, user-friendly legal document portal with secure access to a repository of 100s of legal documents, simplifying the document management process and legal compliance.

Access to a confidential mental health counselling helpline through ARAG, operated by trained counsellors 24 hours a day, 7 days a week. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).

You will receive automatic entry to our ChildCare Club; a hub of additional discounts and benefits designed to support you and your business.

Do you have employees or volunteers?

Our Education and Training policy includes Employers' liability insurance. If you employ anyone you are required by law to take out Employers' Liability cover. It is like Public Liability insurance but relates specifically to employees. Recent claims examples have included an employee injured when a cupboard fell off the wall; and an employee injured following a fall from a ladder. This section of cover also extends to cover voluntary workers.

This section provides cover for legal costs and expenses following an insured event. The insured events and additional services are listed below. Cover is provided for any valid claim made during the period of membership.

• Online Legal Services - A service for downloading and building legal documents.
• Legal Advice Helpline - Available 24/7 for commercial issues within EU law.
• Tax Advice Helpline - Available 9am -5pm on weekdays (except bank holidays) for commercial issues within EU law.
• Counselling Helpline - Counselling Assistance for you and your employees (including family members permanently living with them) needing confidential help and advice.
• Employment Disputes & Compensation - employment or related legal rights. Includes TUPE.
• Redundancy Assistance - If you are planning redundancies and need extra legal support available 9am and 5pm on weekdays (except bank holidays).
• Restrictive Covenants - Both pursuit & defence for alleged breach of restrictive covenant.
• Tax Disputes - A formal enquiry into your personal or business tax affairs.
• Property Disputes - Disputes relating to property following damage, nuisance or trespass.
• Identity Theft Resolution Service - This service is available to the principal, executive officers, directors and partners of your business and to self-employed professionals, between 9am and 5pm on weekdays (except bank holidays).
• Criminal Investigation - Work related and motoring prosecutions, civil proceedings, Investigatory and disciplinary hearings by professional bodies.
• Compliance & Regulation - Appeal against a statutory notice issued against the insured’s business, or defence of a civil action brought under The Data Protection Act.
• Statutory Licence Appeals - An appeal against a decision to alter, suspend, revoke or refusal to renew a statutory licence or registration.
• Loss of Earnings (Attendance expenses / Jury Service).
• Personal Injury Defence.
• Executive Suite - A suite of covers to protect the principal, executive officers, directors and partners of your business. This includes, HMRC enquiry into personal tax affairs, personal motor prosecution, personal identity theft, mediation to resolve a partnership agreement and personal crisis communications.
• Contract & Debt Recovery - arising out of an agreement for selling or hiring goods or services.
• Crisis Communication - Expert advice and helpline to help manage communication in times of crisis.

You will not be covered for:

• Any claim with less than a 50% prospect of a successful award in your favour
• Legal costs and expenses incurred without the insurers consent
• Claims not notified within a reasonable time
• Parking offences

Please note Helplines are subject to a fair and reasonable use and will only incur the cost of the call (unless otherwise stated).

For full detail of the policy terms, conditions and exclusions, please refer to the Policy Wording click here

The following are commonly asked questions and do not provide the full detail of the policy cover. You must always refer to the Policy Schedule and Policy Wording

If you have any further questions, please call Morton Michell on 0330 058 9861.

Public Liability insurance provides cover following injury or property damage (as above). Professional Indemnity insurance covers you if a Third Party suffers financial losses that are considered, by law, to have been caused by a negligent breach of your professional duty. This type of cover will respond to any claim made by a Third Party, during the period of insurance as opposed to when the breach occurred.

Public Liability insurance covers you for damages and legal defence costs for Third-Party property damage or Third-Party injury (or death) that is considered, by law, to have been caused by your negligence. A ‘Third Party’ is anyone that is not the business or its employees. Therefore, minded children and general members of the public would be ‘Third Parties’. This section of cover will not provide for property that is in your custody & control except hired / leased / rented premises. This type of cover will respond to insured incidents that occur during the period of insurance.