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 program. The financial consequences of non compliance with employment law are serious and present a significant threat to all employers.  

The Risks 

• Fastest Growing Area of Corporate Liability
• UK 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

There are now so many Acts introduced that to try and help HR departments/Employment Specialists keep up, they are now only introduced twice yearly, on 1st March and 1st October each year.

• Unfair Dismissal
• Constructive Dismissal
• Unfair Selection for Redundancy
• Sex, Race, Disability, Age Discrimination
• Maximum compensation for unfair dismissal is £66,200
• Compensation for Discrimination is Unlimited
• 180,000 + Employment Tribunals in 2007/2008 + Unknown number of disputes settled outside of a Tribunal
• Cost of legal representation at a one day hearing varies between £3,000 and £5,000. These costs are not recoverable if you win the case
• Average and Highest Awards during 2007/2008 were -

TYPE	AVERAGE	HIGHEST
Unfair Dismissal	£8,058	£76,536 *
Race Discrimination	£14,566	£68,991
Sex Discrimination	£11,263	£131,466
Disability Discrimination	£19,523	£227,208

* exceeds maximum as can include other elements of 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
• Before dismissing any employee you must obtain and follow the advice of Flint Bishop Solicitors. If you do not the £1,000 excess will increase to £2,500
• Claims must be notified to Flint Bishop before any action is taken by you and their advice followed
• If you employ in excess of 100 staff and do not have access to a HR resource the excess will increase to £10,000 each and every claim