Employment Practice Liability

📢 Formal Notification of Closure

Maple Group Insurance Brokerage (FSP 49025)

Please note that Maple Group Insurance Brokerage will officially close on 30 April 2025.
Your current insurance policies remain active and unaffected, and cover will continue in accordance with your policy terms.

For any further enquiries, email ilse@maplegroup.co.za.

Thank you for your support.

For assistance, please contact your insurer directly:

Assupol:
0861 235 664 | claimsregistration@assupol.co.za

1Life:
0860 10 51 94 | clientservices@1life.co.za | WhatsApp: 0860 10 53 40

Employment Practice Liability

Employment Practice Liability (EPL) Insurance protects employers against allegations of discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related issues.

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Employment practice liability

Employment Practices Liability (EPL) Insurance provides protection for an employer against allegations made by current employees, former employees, or job applicants. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations against the company, including its Directors and Officers. Employers who have EPL cover under Directors’ and Officers’ Liability Insurance (D&O) policies should be warned that D&O policies generally cover directors and not the company. Virtually all labour cases are brought against the company as such EPL cover under a D&O policy may not be adequate.

the need

In today’s increasingly litigious business environment, employing
staff is inherent with legal exposures and employers need cover against allegations of unfair labour practices. According to the Labour Relations Act, employers can be taken to the CCMA,
Bargaining Council or Labour Court for various labour practices.
Frighteningly, courts may award as much as 24 months’ salary
to the aggrieved employee. Profit companies (public and private) and non-profit companies are therefore all at risk of being sued by current, past, and potential employees, and even the most efficient HR departments may fall victim to inconsistent decision making at the dispute resolution forums.

Defending a wrongful termination or discrimination claim, whether innocent or guilty, or even if the claim is groundless or frivolous can be expensive. The potential exposure for any award threatens a company’s financial resources and a company’s reputation can be also damaged. The reality is any company that has employees needs EPL cover.

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coverage

Insurance Protection for Employers covering the following: Legal Fees, Damages, Awards and Settlement. This might be as a result of an allegation of unfair dismissal, sexual harassment, discrimination and failure to employ brought about at the CCMA, bargaining council, labour court or arbitration proceeding.

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