What is the best legal insurance in Australia depends on whether you need personal or business cover, but best rated options include Legal Insurance Australia for personal, Allianz Legal Expenses for business, and union legal cover for employees. For best personal legal expense insurance, Legal Insurance Australia offers $50,000 cover for employment disputes, family law, criminal, tenancy and consumer matters for $25 to $40 per month with 24/7 helpline and is often rated best for individuals. For best value for employees, joining a union like Australian Services Union, SDA or Professionals Australia for $20 to $40 per month includes free employment law advice, unfair dismissal representation and workers compensation, which is better value than standalone legal insurance if you are employee. For best business legal expense insurance, Allianz Legal Protection and ARAG Business Legal Insurance offer $100K to $500K cover for employment disputes, tax audits, contract disputes and debt recovery for $40 to $100 per month, with high customer satisfaction. For best motor legal protection, NRMA and Allianz add-on for $10 per month that covers excess recovery and hire car loss is best. For best for landlords, Terri Scheer landlord insurance includes legal cover for eviction. Overall, there is no single best legal insurance, for personal use union plus Legal Insurance Australia is best, for small business Allianz Legal Expenses is best rated by Canstar, and many Australians get adequate cover via union and car insurance add-on without needing standalone legal insurance.
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