Employment Practices Liability Insurance
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What is Employment Practices Liability insurance?
Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost of claims taken against them by employees. Covered claims may relate to allegations of discrimination, unfair dismissal and sexual or workplace harassment.
What does Employment Practices Liability insurance cover?
Unfair Dismissal
Dismissal of an employee in an allegedly unreasonable or unjust way.
Workplace Defamation
Written (libel) or spoken (slander) statements that harm an employee’s reputation.
Bullying & Harassment
Repeated and unreasonable behaviour towards an employee that create the risk to health and safety.
Discrimination
Actions taken against an employee on the basis of race, sex and other protected categories that violate the Fair Work Act.
- Paying employee benefits (such redundancy or superannuation)
- Fraud and dishonesty
- Bodily injury
- Criminal proceedings
- Continuity of employment costs
- Property damage
- Building modifications
- Prior or pending claims (a claim arising before the period of insurance)
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3 industries who purchase Employment Practices Liability most:
- Management Consultants
- Education Consultant
- Communications Consultants
- Human Resources Consultants
- Business Coaching
- Environmental Consultants
- Content Writers
- Nurses
- Aged Care Support Workers
- Chiropractors
- Occupational Therapists
- Physiotherapists
- Disability Plan Management
- Disability Care
Employment Practices Liability is suited to a wide range of industries and occupations in addition to the ones listed above.
How much does Employment Practices Liability insurance cost?
Employment Practices Liability insurance costs can vary based on the cover options chosen, level of cover and other factors. Every business is unique, and so is the type and cost of its policy.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Get cover that works with the risks of your business
You can select different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Number of employees being covered
Your HR policies
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Get cover that works with the risks of your business
You can select different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Flexible Cover
Pick from levels of EPLI cover
Unsure how much to choose? Think about:
Number of employees being covered
Your HR policies
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
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$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
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Saved
$3,600
on
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Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
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Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Employment Practices Liability cover is provided on a claims made and notified basis, meaning an insurer will only cover you for claims made against you during the policy period which you notify to them in that period.
Real-life customer reviews verified by Feefo