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Overview

Your employees are getting more litigious

Our experience shows that employment tribunal cases have increased. But we also know that in reality businesses faced a lot more employment actions than that, because so many are settled in private.

Growing legislation

Today there’s broad range of legislation for businesses to keep track of such as age, sex or religious discrimination. Insurance helps protect the company and management by meeting damages, certain judgements, settlements and defence costs for many types of violations.

Managing your reputation

A public case can be bad for the reputation of company and its leaders. Our clients get access to high quality public relations assistance to plan and manage a communication strategy that will help manage your public image.

The financial costs are rising

Cases are getting more expensive. Business also need cover against defence costs – and they pay employees’ costs as well if they lose the case.

Can your management keep up?

Much is expected of employers in their handling of employee actions. The burden of proof lies heavily with employers. Strictly defined procedures must be followed otherwise the case could be lost from the start by default. It’s a lot to keep up with and management should consider protection against even innocent slip ups.

Who is it for?

Companies of all size and industry. Our EPL product is tailor made to suit associations, commercial public and private companies as well as financial institutions.

What is covered?

  • Damages,
  • investigations costs,
  • consequences of judgments and settlements,
  • defence costs of individuals and outside entity directors due to an employment practice violation.

 

Extensions

  • Discovery period (36 months)
  • Damage to reputation
  • New subsidiaries

 

Main Exclusions

  • Conduct
  • Collective redundancies
  • Known facts, circumstances and prior claims
  • Bodily injury and property damage
  • Claims brought by any insured
  • Wages and employee benefits
  • Employee reinstatement
  • Shareholder exclusion

This site only contains an overview of the most important coverages and exclusions. Only the general and specific  conditions (“Insurance Policy”) provide an accurate, binding, description of the covers and exclusions.

It is necessary to fully analyse the Insurance Policy, as well as all other relevant documents with contractual and pre-contractual information before any decision to buy, underwrite, adhere to, accept, sign or conclude an insurance agreement.

Important Information

Here you will find information about how to request a quote with detail of premium calculation, the general and specific conditions, and/or other relevant documents with contractual or pre-contractual information, the duration of the insurance policy, the applicable law and jurisdiction, how to file a complaint or reach the ombudsman, etc.