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Litigation always comes at the wrong time. Whether it is a complaint from a recently dismissed employee, a contractual dispute with a supplier or a dispute from a customer, it does not matter how prepared you are: if you are not protected, you pay the price.

A legal protection policy is not compulsory, but it is among those that really make a difference. It covers legal fees, consultations, mediations and allows you to face complex situations with the right support.

The real advantage? Being able to decide how to go about it, without the ‘cost’ variable conditioning your choices.

It is often thought that these covers are only useful for large companies. In reality, the smaller a business is, the greater the impact a legal contingency can have.

Practical advice:

• Assess how many potential friction points you have in your contractual relationships
• Consider legal protection as a form of planning, not an emergency
• Don't wait for the lawyer's letter to arrive to see how much you need