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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


Chubb Elite Employment Practices Liability insurance can protect companies against the financial impact of a claim providing cover for:

  • damages (including injury to feelings), judgments, settlements, defence costs and awards or claimant's costs as well as pre- or post- judgment interest
  • legal representation costs for employment investigations. This cover also adds an additional defined limit of liability dedicated to such costs
  • cost of paying wages from date of purported dismissal to date of judgment in the event that the company is ordered to re-instate or re-engage worker
  • punitive and exemplary damages where insurable by law
  • acts committed prior to inception of the policy
  • acts worldwide (except USA which can be added by endorsement)

Legal Assistance Service

We recognise that it is increasingly difficult for employers to stay abreast of the employment responsibilities imposed on them by law. To help insured businesses, Chubb has partnered with national law firm Gateley to offer legal assistance services relating to employment practices or the duties and responsibilities of directors and officers. Fuller details of the assistance services can be found at but include:

  • Access to free* legal advice line
  • Discounted rates for contract and policy reviews
  • Discounted rates for bespoke training
  • Complimentary membership to HR Club
  • Complimentary monthly legal newsletters
  • Discounted 'Witness for a day' DVD

* Subject to terms and conditions. Calls from mobiles will be charged at the caller's standard rate.

Advice & Guidance

Chubb has partnered with a leading national law firm Gateley LLP to provide a legal helpline to assist our clients. Call 0845 250 8585 or visit to find out more.

Related Content

Important changes in employment tribunals

It is now compulsory for individuals to contact the Advisory Conciliation and Arbitration Service (ACAS) before submitting a claim in the Employment Tribunal.