Legal Protection

Legal protection guarantees come in two broad forms

  1. Self-cover: the advisor guarantees their time and advice
  2. Insurance-cover: An insurance policy covers your costs

By self-cover we mean that the advisor guarantees the protection themselves; covers their own time and costs; does not involve third parties. Think of this as going to a lawyer who guarantees their work no matter what, and if they mess up they would pay to correct the problem.

By insurance-cover we mean that you or your advisor takes out an insurance policy with an insurer that covers your claim.
This can take several forms:-

  • The advisor provides the service with an insurance backing - They are insured
  • You go direct to the policy/insurance provider- You are insured
  • You are redirected by the advisor to another advisor/layer who acts under that insurance policy - They are insured

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