Employment Practices Liability (EPL)
 For Businesses & Brokers

Employment Practices Liability (EPL)

Recent years have been extraordinarily active in shaping workplace law and this looks set to continue with employee rights strengthening. Employees are increasingly aware of their rights and companies need to ensure their procedures are up to date with legislation to avoid disputes and the significant expense of defending claims. Key overall developments for employers concerned about their employment liability exposure include:

  • new categories of individuals acquiring workplace rights
  • increase in the number of laws prohibiting discrimination encompassing new categories
  • updating of existing unlawful discrimination legislation providing more causes of action for claimants. the laws bring with them a range of new or freshly defined causes of action adding indirect discrimination, victimisation and harassment to the already familiar concept of direct discrimination
  • creation of greater exposure from existing laws through the interpretation of courts and tribunals

Standard cover includes protection against:

  • Damages (including injury to feelings), judgments, settlements, defence costs and awards or claimant’s costs as well as pre – or postjudgment interest
  • Legal representation costs for employment investigations. This cover adds an additional defined limit of liability dedicated to such costs
  • Cost of paying wages from date or purported dismissal to date of judgment in the event that the company is ordered to re-instate or re-engage workes
  • Punitive and exemplary damages where insurable by law
  • Acts commited prior to inception of the policy
  • Acts worldwide (except USA which can by added by endorsement)