Employment-related legal actions are a growing concern for employers of all sizes. As costs for litigation and damage awards climb, experts predict that employment liability will only become more complex. As a result, it is critical for employers to understand their exposures and options to manage the risk. Two effective risk management strategies include solid human resources practices and employment practices liability insurance (EPLI) cover, a policy used to cover your risk due to the ever-changing legal and employment environment.

Insurance Solution

Employment practices liability insurance (EPLI) works hand-in-hand with your employment      practices to provide the necessary resources to defend your company against a legal action or to pay a claim. To best understand how to cover your EPLI risk, it’s important to know the potential sources:

  •  Working time directives
  •  Discrimination (race, gender, religious belief, age, disability, etc.)
  •  Equal pay
  •  Actual or alleged wrongful dismissal or termination
  •  Wrongful failure to employ or promote
  •  Wrongful discipline

EPLI will provide cover for damages, judgements, settlements and defence costs in respect of claims from present and past employees for a wide range of entity employment practice violations.

Insurers will apply a policy excess (or self-insured retention) typically between £2,500 to £7,500 and depending upon the Insurer, this may be waived if:

  •  you have a formal written grievance procedure in place; and
  •  in the event of a dispute you follow the advice of the Insurers legal advice team from the date the formal written grievance is first invoked.


Human Resources Solution

Limiting your exposures, engaging in solid human resources practices is an important strategy in reducing your company's liability.

Willis Consulting Employment Services can provide practical HR advice and support to ensure that your business is legally compliant and up to date with best practice.

Employment law is often complex and around 15 changes are made annually. Keeping current with the changes can be a heavy burden on employers. Well-organised and credible documents can demonstrate fair treatment, deter litigation, ensure employee honesty and, should litigation occur, demonstrate the employer’s actions.

As with all of your risk management needs, Willis IRM is committed to assisting you in assessing your employment-related policies and helping you to develop best-practice solutions. Contact us today at 028 9032 9042.







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