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Safeguarding your business growth
In 2026, a single legal dispute can disrupt years of hard-earned progress for an Irish SME. Commercial Legal Advantage is designed for businesses that need a proactive defense against common operational risks. From handling sensitive HR issues at the Workplace Relations Commission to defending complex commercial contracts, this cover ensures you can focus on running your business while we handle the legalities.
What is Before-The-Event (BTE) Insurance?
BTE insurance is a proactive “peace of mind” policy. Unlike ATE insurance, it is put in place before a dispute arises, acting as a financial shield and a 24/7 legal department for your business.
- Financial Certainty: We cover your solicitor’s fees, expert outlays, and witness expenses (typically up to €250,000 per claim).
- 24/7 Legal Helpline: Gain instant access to qualified legal experts the moment you identify a risk—preventing minor HR issues from becoming major lawsuits.
- Complete Risk Transfer: Move the unpredictable cost of litigation and WRC compensation awards from your balance sheet to the insurer.
- WRC Awards Coverage: Uniquely, our policy covers not just the legal fees, but also the compensation awards made against you in employment cases (subject to policy terms).
Core coverage areas
Our policy provides a robust defense against the most common and costly legal risks facing businesses in the Republic of Ireland today.
| Risk area and | Coverage |
|---|---|
| Employment Disputes | Defense of claims in the Workplace Relations Commission (WRC) for unfair dismissal, discrimination, and harassment, including awards. |
| Contract Disputes | Pursuit or defense of disputes over the sale, hire, or purchase of goods or services. |
| Revenue Protection | Representation for Revenue Commissioners enquiries into Corporation Tax, VAT, and Relevant Contracts Tax (RCT). |
| Debt Recovery | Legal assistance to recover unpaid invoices over €750 to maintain essential business cash flow. |
| Data Protection | Defense against actions arising from GDPR or data privacy breaches under the Data Protection Act 2018. |
Bespoke Underwriting
For complex cases, our experienced team provides quick, commercial decisions to get your funding in place.
Chartered Excellence
As a Corporate Chartered Underwriting Agent, we operate to the highest professional and ethical standards in the UK.
A-Rated Security
Backed by Intact Insurance UK Limited, providing global financial strength for your peace of mind.
We and our clients have used Temple for ATE insurance on many occasions. Most recently we acted for a liquidator pursuing claims to recover assets for the liquidation estate. After lengthy and heavily contested litigation, ultimately settlement was achieved at mediation. That settlement was only possible with the assistance of Temple’s direct, pragmatic and commercial approach. This was much appreciated by both us and the client.
Matthew KellyFreeths
We and our clients have used Temple for ATE insurance on many occasions. Most recently we acted for a liquidator pursuing claims to recover assets for the liquidation estate. After lengthy and heavily contested litigation, ultimately settlement was achieved at mediation. That settlement was only possible with the assistance of Temple’s direct, pragmatic and commercial approach. This was much appreciated by both us and the client.
Matthew Kelly
We and our clients have used Temple for ATE insurance on many occasions. Most recently we acted for a liquidator pursuing claims to recover assets for the liquidation estate. After lengthy and heavily contested litigation, ultimately settlement was achieved at mediation. That settlement was only possible with the assistance of Temple’s direct, pragmatic and commercial approach. This was much appreciated by both us and the client.
Matthew KellyFreeths
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Resources & Downloads
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More solutions
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ATE insurance
Specialist cover and Outlay Protection to secure your case from start to finish.
Broker Resources and Documents
Access the TOPS portal, policy wordings, and marketing support for our broker partners.