What is BTE?


Before-the-event (BTE) Insurance is taken out by those wishing to protect themselves against potential litigation costs that could be incurred following a future event. If an event has already occurred, you can purchase After the event Insurance, which provides the similar benefits. Visit After the event for more information.




BTE insurance taken out to cover the costs of litigation before a dispute has begun. As mentioned these costs often include fees of solicitors, barristers and expert witnesses, court fines and fees, and any legal costs awarded to the other side.


Before-the-event insurance premiums are generally paid on an annual basis to an insurance company. It is often sold as part of a package sometimes offered as a benefit to members of trade unions or associations, such as Medical or Dental Health Care Associations.


This coverage allows policyholders to seek the legal advice they need without having to pay expensive fees. Neglecting to seek advice can result in higher costs and legal consequences.


Who is eligible for BTE?


The following is a list of those who are eligible for BTE:

  • SME (Small to Medium Business Enterprises)
  • Sole Proprietorships
  • Partnerships
  • Corporations
  • Associations
  • Groups
  • Institutions
  • Clubs (Sports, etc.)

With Ai Legal Expenses Insurance your organization and its members will be entitled to receive the benefits of BTE insurance.



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