Employment Practices Liability Insurance
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Managing people is one of the hardest parts of running a business. You can have the best intentions, follow the right processes, and still find yourself on the wrong end of a claim. Unfair dismissal, discrimination, harassment, failure to promote; these claims are more common than most business owners expect, and the cost of defending them, even when you've done nothing wrong, can be significant. Employment Practices Liability insurance covers you when the employment relationship breaks down and ends up in a tribunal or a courtroom.
What This Covers
Legal defence costs for employment tribunal claims- Compensation awarded to current, former, or prospective employees
- Unfair or wrongful dismissal claims
- Discrimination claims on grounds of age, gender, race, disability, religion, or sexual orientation
- Harassment and bullying allegations
- Failure to promote or wrongful demotion claims
- Breach of employment contract allegations
- Claims from job applicants who weren't hired
What This
Does NOT Cover
Deliberate or fraudulent acts by the business- Fines and penalties imposed by regulators
- Claims you were aware of before the policy started
- Bodily injury or physical illness covered under Employers' Liability
- TUPE disputes in some policy wordings
Illustrative
Claim Example
Illustrative Example
A 45-person tech business made a member of the sales team redundant as part of a restructure. The employee brought a claim alleging the redundancy process had been used to disguise unfair dismissal, citing a pattern of treatment they argued amounted to constructive dismissal. The business was confident in its position. The Employment Practices Liability policy covered the full cost of legal representation across a seven-month tribunal process and a negotiated settlement of £28,000. Without cover, both the legal costs and the settlement would have come out of the business directly.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
Any business with employees, full time, part time, or casual
Companies going through restructures, redundancies, or rapid growth
Businesses operating in sectors with diverse or regulated workforces
Any business where senior leadership makes decisions about hiring, firing, or promoting people
Who Needs This Insurance
Ready to
get covered?
Get a quote for Employment Practices Liability cover built around your business and your team.
