Chubb have been providing employment practices liability (EPL) policies for many years, providing broad cover against employment
Our EPL policy pays defence costs and damages resulting from covered claims for wrongful employment practices brought by past,
present or prospective employees against an organisation. Our policy also cover claims brought against an organisation's directors,
officers or employees.
Broad definition of wrongful employment practice
Covered loss includes damages for mental anguish, emotional distress and humiliation
Punitive, exemplary or aggravated damages
100% of defence costs, up to the limit of liability, paid for all covered claims
Defence costs paid as and when incurred
Retaliation carve-back to many of the exclusions
No dishonesty exclusion
No avoidance or rescission for misrepresentation or non-disclosure (not even for fraudulent misrepresentation or non-disclosure).
Cover limitations only for those individuals who knew of the non-disclosed or misrepresented the facts and for organisations
where particular persons knew
Broad acquisition cover
What are wrongful employment practices? There is an extensive list of employment related allegations including: wrongful or unfair dismissal; discrimination; harassment;
wrongful disciplinary action; negligent evaluation; negligent references; retaliation against employee for whistle-blowing
or exercising legal rights; failure to employ or promote; wrongful demotion; misrepresentation; defamation; invasion of privacy;
breach of confidentiality and breach of data protection.
Chubb also provides access to ‘ForeSight’ – a loss minimisation service which includes a number of free benefits, whereby
you can call a leading employment law firm for information and consultation services on employment matters.