Employment Practices Liability (EPL)

Employment Practices Liability protects organisations and their leaders against claims tied to work. These claims can come from staff, former staff, job applicants, and sometimes third parties. Common claims include unfair dismissal, wrongful termination, discrimination, and sexual or workplace harassment. Other examples are bullying, failure to promote, and payback against whistleblowers. Breach of an employment contract is also covered. Claims can involve defamation in job references or breaches of privacy too. In Australia, EPL responds to claims under the Fair Work Act 2009 (Cth). It also responds to state and federal anti-discrimination laws, and common law. Cover usually includes defence costs, settlements, and judgments. Statutory penalties and fines may be excluded, depending on whether they can be insured at all. EPL matters more than ever, given growing awareness of workplace conduct. Cover is written on a claims-made basis. Many policies also cover the cost of an investigation when a complaint is lodged with a regulator, such as the Fair Work Commission or a Human Rights Commission.

Employment Practices Liability protects organisations and their leaders against claims tied to work. These claims can come from staff, former staff, job applicants, and sometimes third parties. Common claims include unfair dismissal, wrongful termination, discrimination, and sexual or workplace harassment. Other examples are bullying, failure to promote, and payback against whistleblowers. Breach of an employment contract is also covered. Claims can involve defamation in job references or breaches of privacy too. In Australia, EPL responds to claims under the Fair Work Act 2009 (Cth). It also responds to state and federal anti-discrimination laws, and common law. Cover usually includes defence costs, settlements, and judgments. Statutory penalties and fines may be excluded, depending on whether they can be insured at all. EPL matters more than ever, given growing awareness of workplace conduct. Cover is written on a claims-made basis. Many policies also cover the cost of an investigation when a complaint is lodged with a regulator, such as the Fair Work Commission or a Human Rights Commission.