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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