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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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Civil


Contractual disputes

Where the company is a party to the contract, and action is instituted either by or against the company, where the quantum of the claim exceeds R15 000.00.


Delictual damage claims

We Institute or defend Delictual damages claims in the event of an accident involving a motor vehicle registered in the name of the company or sole owner, and where the driver at the time was acting in the course and scope of his/her employment with the company.


Contractor disputes

Disputes with contractors for poor workmanship in respect of repairs / alterations to the business premises, including branch or satellite offices.


Tenant eviction

Eviction of tenants from both commercial and residential premises, where the company is in the business of leasing property to 3rd parties, limited to a maximum of 5 such evictions per annum.


Appeal or Review

One Appeal or Review where we had assisted with the main case which is the subject of the appeal or review, but subject to the overall cover limit of the main case (i.e. an Appeal or Review is seen as a continuation of the main case, and not as a separate case with its own cover limit) and provided that in the sole discretion of us or our appointed Service Provider, there are prospects of success (merits) in the appeal or review.


Please note that matters that happened prior to the start date of the plan are not covered.

Labour


What's covered:

  • Any matter instituted by or against the company in terms of the Labour laws of South Africa, in the CCMA, Bargaining Councils or Labour Court, including actions for unfair dismissals, unfair retrenchments, unfair labour practices, unfair discrimination, and enforcements of restraint of trade agreements;
  • Advice in respect of the correct procedure to follow for grievance procedures, disciplinary actions, dismissals, retrenchments, dealing with strikes and lock-outs and wage disputes;
  • One Appeal or Review where we had assisted with the main case which is the subject of the appeal or review, but subject to the overall cover limit of the main case (ie an Appeal or Review is seen as a continuation of the main case, and not as a separate case with its own cover limit. This is applicable to Labour Court matters, and in so far as allowed by law, in respect of decisions by the CCMA and/or a Bargaining Council) and provided that in the sole discretion of us or our appointed Service Provider, there are prospects of success (merits) in the appeal or review.

Please note that matters that happened prior to the start date of the plan are not covered.

Criminal


What's covered:

  • Where a criminal matter is instituted against the director(s) and/or officer(s) and/or sole owners of the company, for an alleged offence relating to the main business of the company or in contravention of the Companies Act or any other applicable legislation. Criminal charges against the policyholder(s) in respect of offences relating to the Environmental Affairs Act will be specifically excluded from cover.
  • Bail Applications during regular court hours, but excluding the payment of the bail amount determined by bail application court (excludes employees).
  • One Appeal or Review where we had assisted with the main case which is the subject of the appeal or review, but subject to the overall cover limit of the main case (ie an Appeal or Review is seen as a continuation of the main case, and not as a separate case with its own cover limit) and provided that in the sole discretion of us or our appointed Service Provider, there are prospects of success (merits) in the appeal or review.

Please note that matters that happened prior to the start date of the plan are not covered.

Debt collection


What's covered:

  • Assistance with the collection of the company's debts, where the debt exceeds the jurisdictional limit of the Small Claims Court (currently R15 000), and where the company has exhausted all internal processes to try and recover this debt.
  • This benefit will specifically not apply to registered Debt Collection Agencies or companies whose primary business is to collect debts on behalf of 3rd parties.
  • It will also not apply to a company who had purchased a book of bad debt from a 3rd party with the view of collecting those debts by using the debt collection benefit under this policy.

Please note that matters that happened prior to the start date of the plan are not covered.

Cover options


Cover is based on your company's annual turnover

Cover options Annual turnover Cover per matter Annual cover limit Premium (incl. VAT)
Option 1 R0-R1m R150 000 R300 000 R299
Option 2 R1-5m R250 000 R500 000 R449
Option 3 R5-10m R350 000 R700 000 R699
Option 4 R10-60m R500 000 R1 000 000 R999

Note that matters that have occurred prior to the start date of your plan or that are ongoing at the start date of your plan are not covered.

Law on Call Business Plan


24/7 commercial lawyers for advice, contracts and court representation from R299 p.m.


Law on Call Business Plan is an insurance solution that is dedicated to handling legal issues your company may face.
Our commercial lawyers tackle problems such as contractual disputes, labour issues and more so that you can focus
on what matters most − your business.

Legal assistance at your fingertips


Whether you're just starting out or are an established business, you get expert legal assistance of up to R500 000 per matter and an annual limit of R1 000 000. You can rest assured that your business' legal matters are covered by qualified lawyers, and they will also provide regulatory advice.

FNB Law on Call is underwritten by FirstRand Short-term Insurance Limited, Reg. No. 2018/234369/06. FNB Business (FSP 20081) is authorised and accredited to market, sell and administer the Law on Call product.

 

Cover for a variety of matters


Civil

This covers issues such as contractual disputes, damage claims, poor workmanship, eviction of tenants and an appeal or review.

Read more

Labour

This relates to any matter instituted by or against the company in terms of the labour laws of South Africa, the CCMA, Bargaining Councils or Labour Court.

Read more

Criminal

You're covered in the event of bail applications, criminal matters instituted against owners, officers or sole directors of your company, and more.

Read more

Debt collection

This applies to assistance with the collection of the company's debts where the debt exceeds the jurisdictional limit of the Small Claims Court (currently at R15 000).

Read more

What you get


Peace of mind is a call away

Telephonic advice

Give us a call to get immediate advice from commercial attorneys who can also assist with matters that land in court.



Tailored legal contracts

We draft legal contracts for your business' needs. The best part? These are uniquely customised to fit your company's circumstances



Legal costs covered

Cover for up to R500 000 per matter for expenses incurred in instituting or defending matters by or against your business.



Face-to-face consultation

If you're facing a legal matter that is not covered under the plan, you get a one-hour face-to-face consultation for that matter.



 

Personalised cover that suits your business


Your premium rates will vary according to your company's annual turnover.

Getting it made easy


Law on Call Business Plan

Qualifying criteria

  1. Company should be registered and operating in South Africa
  2. Valid South African Bank account from which premiums will be paid
  3. Company should have less than R60 million turnover

How to get it

Call me back

Other ways to apply

Contact us

Documents needed

  • Your Insurance Broker will advise you on the documentation required to take up this policy.