Running a business of any size can feel like you're heading in dozens of different directions at the same time. You rely on the skills and efforts of your employees to help you maintain discipline, excel with customer care and move forward.
The Australian workplace has undergone recent changes. While some of the changes are positive, they create real minefields for other owners, managers and staff. It's not just the workplace that is experimenting with new rules, but the level of responsibility of the company for workplace interactions and employee operations is different from what it was a few years ago.
In general, employees are more likely to take their employer to court for conduct that is considered unacceptable. Fairwork Commission data points to the fact that the increase applies to the entire board and is happening to businesses of all sizes. Contrary to popular belief, large corporations are not the sole target of employee litigation, nor are small businesses exempt from lawsuits filed by employees.
What is Employment Practice Liability Insurance?
Insurance coverage, also known as ELPI, is the cover that an employer can buy to protect themselves and their business from lawsuits against employees.
Who needs Employment Practice Liability Insurance?
In general, unless you run your own business with zero employees, you should consider EPLI cover. As lawsuits against employers become more common, employers should consider the reality of the lawsuit against them.
Consider the following statistics submitted by the Fairwork Commission:
- In one year, unfair dismissal claims increased by 65%.
- The level of stand-down disputes is rising rapidly.
- Since the outbreak of the CoVID-19 epidemic crisis, 200 claims have been filed against employers' disputes.
- During a calendar year, there is a 200% increase in cases of negative action / misappropriation
What types of claims can EPLI cover?
There are a number of situations where insurance can help you with your employment responsibilities. These conditions include but are not limited to:
- Mismanagement of employee benefit schemes
- Wrong dismissal
- Sexual harassment
- Promotion failure.
- Violation of employment contract
- Wrong discipline
- Diagnosis of negligence
- Losing career opportunities
What are the factors that cannot disqualify a qualified candidate?
Across Australia, it is illegal to use any of the following as a reason for not hiring a qualified job seeker:
- the color
- Family responsibilities
- Mental retardation
- marital status
- Sexual orientation
- Political affiliation
- Social origin
- Physical disability
- Original nation
How do I get Employment Practice Liability Insurance?
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In many cases, you are able to obtain EPLI through your insurance specialist's administrative liability coverage.
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