Employment Claim (EPL)

An Employment Claim covers many kinds of workplace-related demands made against the insured or its management. This can include a written demand for compensation, or civil proceedings alleging an employment-related wrongful act. It can also include a regulatory investigation, such as one run by the Fair Work Commission, or a formal complaint to a human rights or equal opportunity commission. Arbitration and mediation demands can count too. The claim trigger matters here. Cover generally starts when a claim is first made against the insured, not when the underlying conduct took place. Because this is a claims-made policy, you must notify the insurer promptly to keep your cover in place. Employment Claims can come from a single complaint, such as an unfair dismissal by one employee. They can also come from a systemic issue, such as a class action alleging widespread discrimination. Knowing what counts as a 'claim' helps policyholders spot when they must notify their insurer and when cover becomes available.

An Employment Claim covers many kinds of workplace-related demands made against the insured or its management. This can include a written demand for compensation, or civil proceedings alleging an employment-related wrongful act. It can also include a regulatory investigation, such as one run by the Fair Work Commission, or a formal complaint to a human rights or equal opportunity commission. Arbitration and mediation demands can count too. The claim trigger matters here. Cover generally starts when a claim is first made against the insured, not when the underlying conduct took place. Because this is a claims-made policy, you must notify the insurer promptly to keep your cover in place. Employment Claims can come from a single complaint, such as an unfair dismissal by one employee. They can also come from a systemic issue, such as a class action alleging widespread discrimination. Knowing what counts as a 'claim' helps policyholders spot when they must notify their insurer and when cover becomes available.