Employment Practices Liability

Provides protection from the financial cost of employment related claims made against you by your employees.

Did you know?

Insurers will generally only cover you for conduct or wrongful acts that were committed whilst coverage was in place with the insurer, and not retroactively.

What’s typically covered?

Losses stemming from allegations of:

  • Unfair dismissal
  • Defamation
  • Bullying and harassment
  • Discrimination
  • Sexual harassment

What’s typically NOT covered?

Losses arising from claims against you that are attributable to or in consequence of:

  • Benefits (ie not meeting compensation or superannuation obligations or paying annual or long service leave)
  • Bodily injury
  • Building modifications
  • Continuity of employment costs
  • Criminal proceedings
  • Fraud and dishonesty
  • Non-pecuniary relief
  • Prior or pending
  • Property damage
  • Territorial limits
  • Unfair contract
  • Unrelated proceedings

Things to consider

  1. Does your business employ people other than yourself?
  2. If so, does the business have the required cash-flow to fund a legal defence if an employment related claim was levelled against you as an employer?