Employment Practice Liability

Employment regulations are constantly changing and expanded employee protections continue to evolve.

CorporateGuard Employment Practices Liability Insurance (EPLI) offers cover against discrimination, harassment, wrongful retaliation, and additional named violations. Policyholders have access to risk management services to help minimise liability risk. 

Increased UK employment legislation has created more possibilities for employment actions against businesses and organisations. Meanwhile the removal of Employment Tribunal fees in 2017 made it much easier for employees to bring a claim and there has been a sharp escalation of claims against employers ever since.

Tribunal awards are unlimited for unfair dismissals related to discrimination, health and safety or whistleblowing.  CorporateGuard Employment Practice Liability Insurance ensures that directors, managers and other individuals who may get embroiled in employment actions, receive expert preparation and defence against a wide range of alleged employment practice violations.

Who is it for?

All public and privately owned companies.

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Product Details

Employment Practice Liability insurance covers the company, its subsidiaries, any employee, administrator, director or manager against any alleged employment practice violation.

CorporateGuard Employment Practice Liability

Cover Includes

The company, and all employees including seasonal and temporary workers
Broad definition of employment practice violation

Outside directorship cover

Automatic cover for new subsidiaries within the asset threshold
excluding those domiciled in North America)

Legal fees and expenses for any official investigation by the
- Equal Opportunities Commission (UK)
- Commission for Racial Equality (UK)
- Equal Employment Opportunity Commission (USA)

Advancement of defence costs

North America exposure (subject to conditions)

Cover Excludes

Circumstances existing prior to the continuity date

Employment related benefits (as defined)

Insured v Insured

Transfer of Undertaking (Protection of Employment) Regulations 1981

Redundancy payments

Why choose EPLI from AIG?

Employees are getting more litigious

Employment tribunal cases have increased. But we also know that in reality, UK businesses face even more employment actions than are recorded because many are settled in private without getting to tribunal.

Broad legislation

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

Growing legislation

Today there’s broad range of legislation for businesses to keep track of such as age or religious discrimination. Strict enforcement of areas like sexual discrimination is reflected in the number of cases. Insurance helps protect the company and management by meeting damages, judgements, settlements and defence costs for many types of violations.

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.

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.

Rising costs

Cases are getting more expensive as the caps on awards are increased each year – although they are unlimited in discrimination cases. Business also need cover against defence costs – and they pay employees’ costs as well if they lose the case.

Claims First

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