Landlord Legal Expenses Insurance
Reimagined
Give your landlord clients protection when it matters and transform from insurance supplier to trusted advisor. Landlords face many legal risks, including rent default, eviction, property damage and regulatory compliance matters, exposing them to thousands or more in solicitors’ fees.
Your clients get day-1 value with LegalAde by a regulated law firm…
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Online advisor to let landlords know what to do based on their needs and circumstances
Range of smart contracts and policies, including:
- Assured shorthold tenancy agreements including rent guarantee
- Required statutory section notices
- Agreements to increase rent and more
Document review, bespoke changes and signoff by our SRA regulated legal team
Review of pre-existing legal agreements by the same regulated legal team
Bespoke letters-before-action drafted on behalf of policyholders
24/7 telephone legal advice also by the same regulated legal team
Tax advice helpline, providing expert guidance to help avoid costly tax mistakes
Range of legal guides written by lawyers, not AI
25% off solicitor fees for services not included in the policy
Discounted fees for barristers’ representation not included in the policy
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…backed up with A-rated legal expenses insurance cover
Repossession of the property from tenants
Pursuit of claims against tenants or other parties causing damage to property
Pursuit of nuisance claims against the tenant or other parties
Costs incurred to store personal possessions and alternative accommodation costs whilst possession of the property is being sought
Defence of criminal prosecutions arising from the letting of the property
Pursuing the tenant to recover unpaid rent
Payment of outstanding rent whilst possession of the property is being gained (scheme products only).
Representation and appeals following enquiries into self-assessment tax returns
Disputes over the purchase or hire of goods used for the benefit of the property or disputes over the repair, non-structural refurbishment or renovation of the property
Consumer Duty
Helps you identify, monitor, evidence and stand behind the outcomes your clients experience
Differentiate
Will you offer low-cost, low-value LEI or choose a service-led product from a regulated law firm backed with tailored cover by an A-rated insurer?
Generate revenue
Trusted referrals sell - 97%i of customers said they would recommend our service
Increase retention
Foster loyalty - 82%i of customers said our service makes them more likely to renew their policy
We’ll work with you to understand your needs and those of your clients, then craft a solution to match.
FAQs
What is landlord legal expenses insurance?
Legal expenses insurance provides cover for the costs incurred when pursuing or defending against specific legal actions.
The most common legal issues landlords face in the UK revolve around rent default and eviction, property damage and liability, regulatory and legal compliance and access and tenant relations. Proactive risk management and legal guidance are crucial for landlords to navigate these challenges effectively.
Do you offer Rent Guarantee cover?
Our landlords’ legal expenses insurance can optionally include rent guarantee cover. This ensures we provide holistic cover, further controlling costs, much the same as a commercial combined policy which covers multiple risks under a single policy. (Our rent guarantee is unfortunately not available standalone outside of a legal expenses policy.)
Do you offer commercial legal expenses insurance?
We do offer bespoke commercial legal expenses insurance which includes a range of legal services for business including a business legal healthcheck, range of smart legal contracts and more. Read more here or get in touch to see how we can assist.
Do you offer family legal expenses insurance?
We do offer bespoke family legal expenses insurance which includes a range of legal services for individuals such as wills, lasting powers of attorney and more. Get in touch to see how we can assist.
Do you offer bespoke cover?
The nature of owning a property varies depending on the type of property and in accordance with the FCA’s Consumer Duty regulations, cover should be tailored to ensure policyholders’ needs are met and that they get value from a policy beyond ‘price’.
To help brokers meet these objectives, Epoq’s legal expenses cover is tailored to cover the risks relevant to an individual, business or landlord, so policyholders don’t pay for something they might not need.
What makes Epoq’s Legal Expenses Insurance unique?
Unlike most legal expenses insurance providers and policies in the market, Epoq’s legal expenses product includes free access to high-value legal services delivered by a regulated law firm.
Our product offers a unique combination of pre-need and at-need services. This helps the broker provide clients with holistic protection that goes beyond the traditional customer experience of incept and renew, with the chance of a poor claims experience in the middle.
It meets the FCA’s Consumer Duty Regulations of identifying, monitoring, evidencing and standing behind the outcomes your clients experience, creating real value thereby justifying commissions (which are an ongoing industry concern).
Can I offer my clients LegalAde but retain my existing insurance product?
Whilst the LegalAde service is only available for Epoq Legal Expenses Insurance policyholders, we do have a range of other platforms that you can make available to your clients either on a cobranded or white labelled basis to enhance their existing cover.
Get in touch to see how we can assist.
Who are the providers behind Epoq’s Legal Expenses Insurance?
LegalAde is provided by Epoq Legal Ltd (company number 3707955), incorporated in England & Wales. Registered address: 2 Imperial Place, Maxwell Road, Borehamwood, Hertfordshire, WD6 1JN. Authorised and regulated by the Solicitors Regulation Authority (SRA number 645296).
We’ve partnered with Temple Legal Protection Limited (company number 3698194) who is authorised and regulated by the Financial Conduct Authority (FCA number 303704). Registered address: One Bell Court, Leapale Lane, Guildford GU1 4LY. Temple Legal Protection Limited is authorised under a binding authority agreement to underwrite and administer this insurance on behalf of Royal & Sun Alliance Insurance Ltd.
Underwriting is provided by Royal & Sun Alliance Insurance Ltd (company number 93792), an A-rated insurer who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Registration No. 202323). Registered in England and Wales. Registered address: RSA St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL.
i Survey conducted across services provided by Epoq Legal between 1 January and 31 December 2023.
