As an employer, you will already have in place Employers Liability insurance, which is a legal obligation. It covers the cost of any compensation due to an employee as a result of an accident or injury at work, or if they contract an industrial disease. But what this insurance does not do is to cover the cost of any compensation or legal costs if an employee or worker takes you to an Employment Tribunal.
If faced with an Employment Tribunal, the biggest fear for many businesses is the cost involved. Our Employment Practices Liability insurance – Employer Guard – can help. It gives you and your business peace of mind that if you are taken to an Employment Tribunal your legal costs, together with most types of tribunal awards, are covered.
By taking out Employer Guard you know that if an Employment Tribunal claim arises, your costs and most types of compensation that a tribunal can award will be covered (some exceptions apply), subject to the limit of indemnity which you choose.
It is a form of disputes insurance that covers any claims instigated during the period of insurance subject to certain limited exceptions. It does not cover claims where advice from our legal helpline has not been taken or for events which occurred before cover was in place.
A precondition of Employer Guard cover is that you also subscribe to our legal advice helpline and, in particular, that you take legal advice in the following circumstances:
As part of our Employer Guard service, we will also carry out an audit of your employment practices and procedures at no cost.
Claims by employees, workers or ex-employees
Employer Guard covers your legal expenses and any awards of compensation (subject to your chosen limit of indemnity) that you incur as a result of defending proceedings brought by an employee or ex-employee that arise out of the employment contract or breach of employment-related legislation. This include claims for:
Certain types of tribunal awards are not covered:
Enforcement of employee covenants
Employer Guard also covers the legal costs incurred as a result of any legal proceedings you raise to enforce restrictive covenants in the employment contract, such as seeking interdict, injunction or damages against an employee or ex-employee who has breached a written restrictive covenant by soliciting either your customers or employees.
Health and safety cover/directors liability
Optional health and safety cover and Directors Liability cover are also available.
We understand the concerns many employers face when dealing with a tribunal claim. Employer Guard gives you, as an employer, security that not only are your costs covered in an event of a tribunal claim but also that you have instant access to our team of highly qualified employment lawyers, assisting and supporting you through the process.
In most employment situations taking legal advice early on can often stop the situation from escalating and will save you time and money later. With our proactive and commercial advice, Thorntons Employment Law team can help. Give one of our team a call on 03330 430 350 , or complete our online enquiry form and we will contact you.
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