The more chefs hats you wear, the greater the risk of unplanned legal expenses

Hospitality, particularly during the current challenges with Covid-19, is a business that has you juggling many hats in your business. Aside from running the business you end up being HR, legal and tax agent. A Legal Expense Insurance policy will release you to make better decisions for your business as you will know you have the support to pursue your legal rights.

An ARAG policy not only protects from the high costs of litigation, but it also provides resources that are invaluable for those running small and medium sized businesses (SME’s). And few industries have been more impacted in the last 18 months than hospitality.

Even before COVID-19, hospitality business owners became accustomed to wearing many “hats” in driving decision making across different functions– human resources, finance, sales, purchasing – just to name a few. Add increased uncertainty surrounding employment issues, e-commerce rules, and tax implications, leadership within these businesses are stretched even thinner. And running across all these roles are the legal implications of decisions.

Our Legal expense insurance policy that has been crafted specifically for the hospitality industry has been designed so that legal support is accessible, cost effective and should complement the daily realities of what you need to manage. Regardless of which hat you are wearing that day.

Firstly, legal expense insurance helps businesses who may find it too costly to seek legal advice when a dispute arises. You may have limited resources to seek professional legal help across many aspects of the business which can make you vulnerable to disputes. The high cost of legal disputes becomes a barrier to assert your rights. Legal expense insurance is an affordable solution to ensure you can pursue or defend yourself when necessary.

Moreover, legal expense insurance fills the gaps for small and medium businesses who do not have dedicated functional leads. SME’s are more at risk to employment disputes or compliance and regulation issues as they are less likely to have a dedicated HR department or an expert lawyer to call upon. ARAG’s Hospitality legal expense insurance product offers a quick first point of contact with a lawyer for assistance through our legal information helpline, which is available even before a formal claim is submitted.

In addition, an ARAG legal expense insurance solution includes access to a robust online Document Centre, which contains helpful, customisable legal documents that you can access to become more informed, and more self-sufficient, for example an employment contract.

Because legal happens, and when it does ARAG has designed a solution to help manage it. An ARAG solution not only protects from the prohibitive costs of litigation, but it also provides resources that are invaluable for those running hospitality businesses across Australia.

For more information about how ARAG’s legal insurance solutions help businesses, contact us at or visit us at www.arag.com.au