How much legal insurance costs in Australia varies by type. Personal legal expense insurance for individuals, which covers phone advice and representation for employment, tenancy, consumer, family and criminal matters, costs $15 to $40 per month or $180 to $480 per year for $20,000 to $50,000 cover limit, from providers like Legal Insurance Australia. Union legal cover is included in union membership which costs $20 to $40 per month and includes free employment law advice and representation. Motor legal protection add-on to car insurance costs $5 to $15 per month extra, or $60 to $180 per year, for $5,000 to $10,000 uninsured loss recovery cover. Business legal expense insurance for small business covering employment disputes, tax audit, contract and property disputes costs $30 to $100 per month or $360 to $1,200 per year for $100,000 to $500,000 cover, from BizCover, Allianz and QBE. Professional indemnity that includes legal defence for professionals like accountants, consultants, IT contractors costs $50 to $200 per month depending on turnover and risk. Landlord legal protection covering eviction and rent recovery costs $20 to $40 per month. Compared to lawyer hourly rates of $350 to $550 per hour, legal insurance can be cost-effective if you face one dispute per year, as one unfair dismissal defence can cost $15,000 to $30,000. So personal legal insurance $15 to $40 per month, business $30 to $100 per month.
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