Legal assistance insurance

What is this cover for?

Legal assistance insurance

What is this cover for?

What is legal assistance insurance?

There are quite a few situations in which legal assistance is more than just ‘nice to have’. Legal assistance insurance provides you with the legal and financial back-up you need. That’s reassuring for any company manager or director.

Who is insured?

This insurance covers everyone active at your business, from management to students with a holiday job.

What is insured?

  • If you, as company manager or director, suffer loss or damage for which someone else is responsible, we will assist you in obtaining compensation, even from government authorities and other insurers.
  • We will take charge of your criminal defence if criminal proceedings are taken against you for an unintentional offence during your business operations.
  • And if the person who has to pay your loss or damage turns out to be insolvent, we will provide cover of up to 12 500 euros with an additional 12 500 euros in the case of bodily injury. 

What is not insured?

There are a few exclusions from the legal assistance insurance, including:

  • Items covered by industrial accident legislation
  • Purely non-material loss or damage
  • Vehicle disputes
  • Deliberate offences

Sector conditions

Additional cover is provided for certain sectors. Each of these sectors has its own characteristics within the legal assistance insurance. The different sectors are listed below:

  • Hospitality
  • Garage and related professions
  • Wellness, beauty and health
  • Construction and installation firms
  • Agriculture and horticulture
  • Trade

Good to know

  • Belgian law applies to this policy.
  • The policy term is three years and is tacitly renewed unless it is cancelled no later than three months before the principal renewal date.
  • Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbc.be, by telephone on 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38.
  • If you cannot find a suitable solution, you can contact the Insurance Ombudsman, which serves the whole industry, de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as.
  • This does not affect your legal rights. Contact your KBC Insurance intermediary to request a quotation for this insurance

For a concise description of the cover and the most important exclusions under the various forms of cover under KBC Commercial Insurance, and also other information, please refer to the product fact sheet

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