Before The Event Legal Protection Insurance

Before the Event Insurance


Before the Event (BTE) legal expenses insurance (sometimes referred to as professional fee or legal protection insurance) covers legal fees and expenses in connection with defending, or in some case pursuing, a dispute that arises.

Rather than being sold as a stand-alone product, it is typically offered by insurance brokers, managing agents or insurers to sit alongside a motor, household, commercial or landlord's insurance policy to broaden the protection and service being offered to their clients.

Typical policy limits are £50,000 or £100,000 per claim with a £1,000,000 annual aggregate.


Further details about our helpline and online services can be found on the Legal Advice Line and Online Legal Services pages of our website.

Benefits & Features

All BTE policies include a 24/7 legal, HR and tax helpline offering direct access to solicitors, HR advisors and tax consultants who can provide practical advice, guidance and support. Online legal services including self-service documentation and law guides, are also typically included with an LEI policy and complement the helpline services.


Affinity Groups

Legal Expenses Insurance (LEI) combined with a helpline and online services can also form part of an affinity group, or trade/membership association’s core benefits. Delivering direct support to members whilst assisting with recruitment and retention.

LEI can also be offered alongside an employment law or HR consultancy’s retained service with the insurance acting as a safety net should a client find themselves having to defend an employment tribunal claim.

Why consider Composite as your provider of BTE and legal advice lines? 


  • A.M.Best ‘A’ rated UK domiciled on-shore capacity
  • A full service provider; underwriting, helplines, claims and account management all delivered in-house, in one location
  • Experienced team of underwriters, solicitors, claims handlers and account managers
  • Entrepreneurial spirit with the ability to deliver tailor made solutions
  • Financially secure, we are wholly owned by AmTrust International Limited 

Areas Covered


•  Uninsured Loss Recovery (ULR)

•  Personal Injury

•  Replacement Vehicle

•  Motoring Prosecution Defence

•  Motoring Consumer Disputes

•  Uninsured Driver Benefit

  Household & Family

•  Employment

•  Criminal Defence

•  Consumer Disputes

•  Home & Property Rights

•  Personal Injury

•  Personal Tax


•  Employment Disputes

•  Tribunal Awards & Settlements

•  Criminal Defence

•  Health & Safety

•  Statutory Licence Protection

•  Property Rights

•  Landlord Disputes

•  Contract Disputes

•  Debt Recovery

•  Tax & VAT Disputes

 Landlord & Tenant

•  Disputes with tenants

•  Evictions

•  Criminal Defence

•  Health & Safety

•  Rent Protection






Contact Us

Composite Legal Expenses

18 Park Place


CF10 3DQ


 Telephone:  029 2034 9619