Legal Fee Protection Insurance provides reimbursement for the plaintiff’s legal fees and litigation expenses in the event the case is unsuccessful.

Coverage can typically include:

• Attorney’s fees incurred by the plaintiff 

• Expert fees, court costs, and other disbursements

Law firm work-in-progress (when part of a broader contingency or hybrid arrangement). See Contingency fee insurance for more information.

Premium pricing and structure depend on case-specific factors such as claim value, legal budget, enforcement risks, and stage of litigation.

Common premium structures include:

• Flat premium (fixed and agreed at inception, but payable at case resolution)

• Staged premium (linked to litigation milestones, increasing as the case progresses)

• Success-based premium (payable only upon a successful outcome, often as a % of recovery)

Many policies allow for full or partial premium deferral, meaning no upfront cost to the plaintiff.

Ideally, cover is placed early—before significant costs are incurred—to secure the most competitive terms. However, insurance may be available later in the litigation lifecycle. Delays can affect pricing and underwriting appetite, as the risk profile changes over time, so we recommend speaking to one of our specialist team members before the complaint/suit is filed.

• Removes the downside risk of legal spend

• Enables access to justice without over-reliance on law firm contingency

• Flexible, scalable, and often more cost-effective than litigation funding