Employee (EPL)

The Employee definition in EPL cover is usually broad. It typically covers past, present, and prospective employees of the insured organisation. This includes full-time and part-time staff, casual workers, temporary employees, secondees, trainees, apprentices, and people on work experience. Some policies also extend cover to independent contractors, labour hire workers, volunteers, and interns. This reflects the fact that workplace claims can arise from many types of work arrangement. The definition often includes prospective employees too. These are people who applied for a job but were not hired, and it covers discrimination claims that arise from the hiring process. It matters who counts as an 'employee', because claims from people outside this definition may not trigger EPL cover. In Australia, the line between an employee and a contractor carries real legal weight. A policy's definition may also differ from how the Fair Work Act classifies workers.

The Employee definition in EPL cover is usually broad. It typically covers past, present, and prospective employees of the insured organisation. This includes full-time and part-time staff, casual workers, temporary employees, secondees, trainees, apprentices, and people on work experience. Some policies also extend cover to independent contractors, labour hire workers, volunteers, and interns. This reflects the fact that workplace claims can arise from many types of work arrangement. The definition often includes prospective employees too. These are people who applied for a job but were not hired, and it covers discrimination claims that arise from the hiring process. It matters who counts as an 'employee', because claims from people outside this definition may not trigger EPL cover. In Australia, the line between an employee and a contractor carries real legal weight. A policy's definition may also differ from how the Fair Work Act classifies workers.