Legal expenses insurance item. If the insured is awarded damages for personal injury or damage to property and payment is not made within a given time (e.g. three months) then the insurer will pay in full up to £1 million. The employers’ liability section unsatisfied court judgements – pays the amount of the award if the insured would have been entitled to an indemnity had the award been made against him in respect of an injured employee. See UNRECOVERED DAMAGES.