Why buy
Employment Practices Liability Insurance ?

Employers are finding life more difficult every day because of actions taken by employees against them for a variety of reasons. These can relate to alleged discrimination, unfair dismissal and sexual or workplace harassment. For this reason protecting yourself with an Employment Practices Liability Insurance protects both your company and its employees if they become legally liable to pay claims made by other employees, contract workers, temporary workers or any applicant for employment.

What is Employment Practices Liability ?

EPL covers the company and individual managers for claims related to a breach of employment practices laws, such as wrongful dismissal, discrimination, bullying or harassment.


Employment Practices Liability claims example

An employee is dismissed after sending a stream of offensive emails to colleagues about one of his senior managers. However the employer failed to follow proper process in dismissing the employee and the case was settled for $50,000.

What is Covered?

Tipically it covers things like:

Wrongful dismissal, discharge or termination of employment

Wrongful failure to employ or promote

Wrongful deprivation of career opportunity

Misleading representation or advertising in respect of employment

Wrongful disciplinary action

Negligent employee evaluation

Wrongful demotion

Breach of employment contract

Sexual or workplace harassment (including having a workplace environment conducive to such harassment)

Wrongful discrimination

What is not covered?

Examples of typical exclusions are:

Loss arising out or property damage or personal injury

Breaches of your duty of professional services (these are covered under a Professional Indemnity policy)

Fraud or deliberately unlawful acts

Employment benefits


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