Employment Law Protection Insurance

Our policy is one of the widest in the market with all claims dealt with by local solicitors Flint Bishop with their costs met by Markel Insurance under the terms of your policy.

Flint Bishop are also on hand to provide a free help line for any of your Employment related questions and a bespoke consultancy service at a discounted cost depending upon your requirements.

Employment Law Insurance is now an essential part of any businesses insurance programme. The financial and commercial consequences of non compliance with employment law are serious and present a significant threat to all employers. In 2009/2010 there were 236,100 Employment Tribunals, an increase of 56% on 2008/2009. In addition, there are probably just as many disputes settled out of court - our policy also caters for this.

Some of the most common Employment Legislation

• Equal Pay Act 1970
• Human Rights Act 1998
• Race Relations Act 1976
• Disability Discrimination Act 1995
• Sex Discrimination Act 1975
• Working Time Regulations 1998
• Employment Relations Act 1999
• Part Time Workers Regulations 2000
• Employment Equality (Sexual Orientation) Regulations 2003
• Employment Equality (Religion or Belief) Regulations 2002
• Employment Equality (Age) Regulations 2006

Client Exposures

• Unfair Dismissal
• Constructive Dismissal
• Redundancy
• Discrimination - Sex, Race, Disability & Age

Financial Consequences

• Maximum compensation for unfair dismissal is £65,300 (February 2010)
• Compensation for Discrimination is Unlimited
• Management time is a major issue for clients - on average each employment dispute consumes 140 hours of management time. What price on that?
• It is likely to cost between £3,000 - £5,000 daily for legal representation on a straight forward dispute. Under Employment legislation even if an Employer wins the case, they are unable to recover their costs.

Average and Highest Awards during 2009/2010 were -

*exceeds maximum due to other elements of the claim

OUR POLICY COVER SUMMARY

Covers your legal liability following an employment dispute

In addition your legal costs and expenses are covered in respect of attendance at any employment or health and safety investigations

Flint Bishop Solicitors have been appointed to deal with all claims and their costs will be met by the policy

The policy will also pay any civil award of compensation made against you or any negotiated settlement amount agreed between the parties

Jurisdiction - England, Scotland, Wales

Main Exclusions -

• Your dishonest or fraudulent conduct
• Your wanton, willful, reckless or intentional disregard of employment legislation
• Where you voluntarily assume liability
• Disputes following your takeover, merger or liquidation
• Your failure to adapt premises or working methods to meet the needs of a disabled person
• Remuneration, redundancy and benefits you have a legal obligation to pay
• Cost of compliance with any injunctive or non-pecuniary relief
• Disputes between assureds concerning dissolution of any partnership agreement
• The first £10,000 of each and every TUPE claim

Main Conditions -

• You must have in place the correct employment documentation and procedures that have been professionally vetted and/or prepared on your behalf
• Flint Bishop operate a bespoke employment helpline and should be consulted at the earliest possible opportunity. Any advice given should be followed otherwise the excess will increase to £2,500 per claimant.
• Claims must be notified to Flint Bishop before any action is taken by you and their advice followed.