Frequently Asked Questions

We provide comprehensive legal protection for small and medium enterprises (SMEs) across a wide range of legal issues. Our coverage includes:

• Civil Legal Action: We cover legal fees for any civil case initiated by or against your company.
• Criminal Defense: Legal protection for business owners, directors, and officers facing criminal charges.
• Labour Disputes: Coverage for labour court cases, CCMA hearings, and disciplinary processes.
• Eviction Proceedings: We assist with commercial and residential tenant evictions.
• Arbitration: Legal support for arbitration cases related to business disputes.
• Bail Applications: Immediate legal assistance with bail applications in criminal cases.

Our claims process is designed to be straightforward and hassle-free. Here’s how it works:

• Report the Issue: Contact our team as soon as you’re aware of a potential legal issue.
• Review the Case: Our attorneys will review the details of your case and assess whether it falls under your coverage.
• Legal Representation: Once approved, we will appoint a qualified attorney to represent your company and manage the case.

Yes, there is a 3-month waiting period before you can make a claim under your Legal Expense Advocate policy. This ensures that claims are related to events that occur after the policy is in force. Additionally, there is a 31-day cooling-off period during which you can cancel your policy if you are not satisfied.

Our services are available to Small and Medium Enterprises (SMEs) across a wide range of industries. To qualify, your business should fall within our coverage criteria, which includes the size of your workforce and your annual turnover. We tailor our plans to meet the needs of businesses with up to 100 employees and under R2 million turnover.

We take customer satisfaction seriously. If you have any concerns or complaints about your policy, you can contact your intermediary or reach out to Guardrisk Insurance Company directly. As a final resort, you can also contact the National Financial Ombud Scheme for assistance in resolving any disputes.