A former employee asks for a reference. A manager writes a blunt email that the person says is false and damaging. They say it cost them a new job offer and threaten a defamation claim. They demand an apology, costs any settlement or compensation.

Employment dispute insurance may help with defence costs and

A candidate is turned down for a job and says it was due to age, disability or pregnancy. They lodge a discrimination claim and name your business and a manager. You must respond, gather records and attend mediation or a tribunal hearing.

Employee claims insurance may help with defence costs and covered outcomes for discrimination claims linked to hiring or promotion.

A staff member reports ongoing bullying and sexual harassment by a supervisor. They lodge a formal complaint and later start a claim, saying your business failed to act and they suffered emotional distress. Other staff back them up in writing and you hire a lawyer.

HR liability insurance may help with defence costs and covered compensation for harassment or bullying claims made by employees.

After a restructure, you end an employee’s role. They say the process was unfair, they were targeted and you breached their employment contract. They take it to the Fair Work Commission, asking for compensation and legal costs.

EPL insurance australia may help with defence costs and covered settlements for claims of unfair dismissal or wrongful termination.

Before you buy the policy, an employee emails a formal complaint about discrimination and says they will go to the Fair Work Commission. You do not tell the insurer. Three months later, a claim arrives based on the same complaint.

Known facts before start are usually excluded. If the issue existed or was threatened before cover began, the later claim is not insured.

A manager forces out an employee and later a tribunal finds they fabricated complaints and acted dishonestly to get rid of them. The employee sues for damages and you want the policy to cover that manager’s conduct as well.

Dishonest or fraudulent acts are usually excluded once proven by a final decision or admission. Defence costs advanced may be repaid.

A worker strains their back lifting stock. They say unsafe manual handling and lodge a claim for medical costs and lost income. They also threaten to sue the business for the injury. You try to claim it under EPL.

EPL is not workers compensation. Bodily injury claims and workers comp obligations are usually excluded, except for limited extensions.

A former staff member claims you underpaid them for months, including overtime and annual leave loading. They lodge a claim asking for back pay, interest and missed super payments. You want the policy to refund the unpaid entitlements.

Back pay, super and leave are usually excluded. EPL may help defend the claim, but it will not pay unpaid wages or entitlements.