Employment Practices Liability (EPL insurance)
Purchase employment practices liability to protect your organisation with a robust legal defence
Employment practices liability (EPL)
Employment practices liability (EPL)
Employment Practices Liability Insurance
Compare business insurance for employment claims against an increase in employment tribunal cases
At get indemnity™ employment practices liability starts at £372 annually or £31 monthly for a £500,000 limit. Below we provide some background and explain how employment practices liability can protect your business.
What is employment practices liability?
The business insurance can be offered on either a stand-alone basis or combined under management liability coverage policy with D&O liability insurance.
Why purchase employment practices liability?
Employment practices liability cover can provide a legal defence and pay damages awarded by an employment tribunal. For further information read: Employment disputes (UK) - how to protect your business?
What does employment practices liability cover?
Typically, employment practices liability insurance will afford cover to:
Wrongful or unfair dismissal |
Sexual harassment |
Workplace harassment |
Discrimination |
Refusal to promote |
Wrongful demotion |
Negligent reference |
Negligent evaluation |
Invasion of privacy |
Retaliation against an employee |
False imprisonment |
Wrongful infliction of emotional distress |
How insurers price your employment practices liability insurance cost?
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Number of employees, wage roll, turnover, net worth and years established will impact your exposure and your employment practices liability cost.
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Exposure to different jurisdictions: USA & Canada are high hazard exposures, with France & Germany carrying an increased exposure compared with the U.K.
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Nature of your activities: third-sector; education sector; solicitors; healthcare; sports clubs; call centres, carry a higher employment practices liability cost.
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HR policies and procedures including: background checks and reference procedures; written policies on discrimination, harassment, discipline and termination.
Redundancies and employment practicies liability
Redundancy legislation is complex, and employers need to understand their obligations, including employees' rights and the correct procedures to follow. It is prudent to have employment practices liability insurance in place, before you undertake a restructuring of the business.
How to compare employment practices liability quotes?
Claim trends in the UK suggest that employment practices liability circumstances are reported more frequently with lesser amounts sought, as opposed to high severity claims resulting from the legal framework.
Please give us a call to discuss your individual circumstances on 0345 625 0711.
This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.