You may have to sue.
Taking a company or your employer to court is an expensive business. Simon Threadgold says that, for most people, litigation is only possible with legal expenses insurance.
Although blissfully unaware of it, most families have £1m of personalliability cover under their household contents policy. They also have
unlimited liability cover under their motor policy. Sufficient to defend
an action - but not to take someone else to court. Litigation may only be
possible with legal expenses insurance.
Family legal expenses is mainly sold as an add-on to household contents
insurance. High net worth policies now include the cover as standard, for
example Independent's Home by
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