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Employment Practices Liability Insurance

Protect your business from costly employee claims with employment practices liability insurance (EPLI).

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Employment practices liability insurance protects businesses against claims made by employees, past, present, or prospective, alleging breaches of employment law. This includes claims for wrongful dismissal, discrimination, harassment, victimisation, failure to promote, and other employment-related issues.

With increasing awareness of workplace rights and evolving legislation, businesses of all sizes face a rising risk of employment disputes. Even unfounded allegations can result in costly legal fees, reputational damage, and significant disruption to business operations.

Employment practices liability insurance forms a key part of a comprehensive management liability insurance policy, helping employers manage the financial and legal risks associated with HR and personnel matters.

Employment practices liability insurance (EPLI) covers employers against the cost of employee claims, which can include:

  • Discrimination
  • Employee fraud
  • Harassment
  • Wrongful termination
  • Other employment -related issues such as equal pay.

Employment practices liability insurance policy features*

  • Legal costs, awards and settlement for any employment claims brought against you by past, present of future director, officer or employee
  • Legal costs of representing any director, officer or employee at an official investigation
  • Guidance on employment law helping businesses maintain compliance and avoid potential claims
  • Civil fines and penalties
    What is employment practices liability insurance (EPLI)?

    Prudent employers will have a number of policies, processes and training in place to protect the business and its employees, but unfortunately problems can still arise and lead to employment claims.

    Even with robust HR policies, businesses face the risk of employee (or ex-employee) claims at an employment tribunal. Employment practices liability insurance (EPLI)  provides financial protection against the high costs of defending against such claims, which can be substantial even if the allegations are unfounded.

    EPLI protects your business against employee claims for discrimination, wrongful termination, harassment and other employment-related disputes like equal pay violations or unfair dismissal. It provides cover for legal costs and any potential settlement payments.

    Is employment practices liability the same as employers liability?

    No. These are two different types of insurance that cover separate risks.

    Businesses are legally required to have employers liability insurance as this protects you financially if a staff member claims compensation for either sickness or injury arising as a result of their work for you.

    Employment practices liability covers claims made by employees or ex-employees related to allegations such as discrimination, wrongful termination, or harassment. It is not a legal requirement to have employment practices liability insurance.

    How much does employment practices liability insurance (EPLI) cost?

    As a broker, we tailor our employment practices liability insurance (EPLI) to your business’ unique needs. Because every policy is bespoke, the cost will vary depending on a variety of factors such as your number of employees, your industry, the level of coverage you choose, and your previous claims history. Whether you’re a small business or a larger enterprise, our experts will make sure that you have the appropriate level of cover to look after your specific business needs.

    *This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

    Words from our clients…

    Shannonside Civil Engineering Ltd

    "Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

    John Hall, Director, West Midlands Fasteners

    "Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

    Faisal Ravat, Managing Director, E&S Motors Ltd

    "We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

    Frank Ryan, Director, Reirse Ryan Ltd

    "We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

    Gerald Doble, Director, G A Doble

    "The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

    John Dyke, Central Scaffold Walsall Ltd

    "As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall