Financial Lines and Casualty
Commercial Legal Expenses
In today’s increasingly competitive world, disputes and resulting legal action are on the rise. Delta's Commercial Legal Expenses policy additional coverage works alongside our Management Liability and Professional Indemnity products.

Safeguading against the costs of legal disputes and litigation, and professional legal advice one call away.
Coverage
Data protection
Pays for the legal expenses for any dispute brought against you under the privacy legislation.
Statutory licence
Pays legal fees for an appeal by you against a loss, revocation, suspension or proposed amendment to your operating licenses.
Employee’s breach of restrictive covenants
Pays legal expenses in pursuing legal proceedings against former employees who have breached their contractual obligations.
Commercial contract disputes
Pays legal expenses in the pursuit or defence of legal proceedings with a customer or supplier, including pursuit of unpaid invoices.
Tax Audit Protection
Pays for accountancy and legal expenses incurred in respect of an ATO investigation or inquiry under the provisions of Income Tax Legislation, GST dispute or a fringe benefits dispute.
Property disputes
Pays for legal expenses in respect of property
and tenancy disputes.
Employment disputes*
Pays legal expenses incurred by you for defending proceedings brought against you by an employee or ex-employee.
Criminal prosecution*
Pays for legal expenses incurred in defending a criminal prosecution against you or an appeal by you, against the service of a remedial or stop-work order under the Workplace Safety and Health Act.
Discrimination protection
Pays for legal expenses for a dispute brought against you in respect of an infringement of rights under discrimination legislation.
*Not available under the Management Liability package
Key aspects

Access to expert legal advice
Policyholders have access to commercial legal advice through the Delta Legal Line. This service provides guidance on critical employment-related matters, such as disciplinary actions, dismissals, and grievances, helping businesses navigate complex legal situations and potentially avoid costly disputes.

Pursuit and defense
Unlike standard liability policies, Delta's Commercial Legal Expenses Policy covers both pursuit and defense legal costs, ensuring protection whether defending against claims or pursuing rightful legal action.

Debt recovery
Delta's Commercial Legal Expenses Policy covers legal expenses when pursuing payment for unsettled invoices despite payment terms expiring. With a drafted recovery template ready to use, this proactive support helps secure the funds Insureds are owed, without the additional financial burden of legal fees.
- Australia & New Zealand
This summary is intended for informational purposes only and is subject to meeting certain underwriting criteria and acceptance, specific terms, conditions, and exclusions which are specified in the Policy Wording. Please consult your policy schedule for details of coverage that has been obtained. This summary does not form part of your policy documents.
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