Workplace Assured & Aon

Employment Practices Liability Insurance for Workplace Assured clients through Aon.

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8:30am – 5:00pm AET

Insurance for Workplace Assured clients through Aon.

Employment Practices Liability Insurance.

Through Aon you can arrange an Employment Practices Liability (EPL) cover solution tailored exclusively for Workplace Assured clients. This cover is designed to protect you against claims that could be made against you as an employer, such as alleged discrimination, unfair dismissal and sexual or workplace harassment. Ensuring that you have an adequate EPL cover in place means that you can protect yourself against possible reputational or brand damage, in addition to the legal costs that you may incur.

Aon and Workplace Assured

Aon has partnered with Workplace Assured to offer an Employment Practices Liability solution exclusively to their clients. Enquire today.

You can also talk to an experienced insurance specialist

We have developed an application process that is easy to follow, and caters for most Workplace Assured clients’ needs, however if your business has complex or unique needs in relation to employment practices, we can have a one-on-one conversation about your risk requirements.

Cover benefits of Employment Practices Liability

Unfair dismissal
This may arise when an employee feels their termination was unjust or unreasonable, or if the correct termination process was not followed. This includes cover for employees and contractors.

Workplace Harassment
Occurs when colleagues are using threatening, or disparaging behaviour directed at individual or a group of employees. This can also include sexual harassment or bullying. This cover also extends to contractors or volunteers.

An employee may make allegations that they have been the victim of discrimination based on sex, race, religion, age or sexuality. These may be against other colleague or management. This cover also extends to potential employees that feel they have been discriminated against in an interview situation.

Cover limits
Cover up to $2m for any single employment practices liability claim* 


If you need to make a claim we're in your corner.

You can contact Aon and we will action your claim by quickly verifying with the insurer that you’re covered, and start the process so that you can get the legal support required.

ABLA, Workplace Assured’s dedicated legal team are the assigned legal advisor to assist on claims and will work with you to achieve the desired outcome for you.

Contact Aon to make a claim


Frequently Asked Questions
Here are some questions commonly asked by clients.
Why should I consider employment practices liability insurance?
Employment-related risks are among the most potentially damaging exposures for any business. A legal suit can not only result in significant financial loss but also cause irreparable damage to an employer’s reputation and brand. Defending against an employment-related claim can be time consuming, costly and disruptive to your business. Even if an employer is found not to have committed  any employment practices violation there may still be costs to be covered to mount a defence.

As an employer, these risks make it necessary to consider how such a claim might affect the company, from legal fees and settlement costs to damage to reputation and brand, and whether measures are in place to minimise both the risk and the impact. 
What are the key features of coverage?
Employment Practices Liability is designed to protect against liabilities that can arise within the employer / employee relationship. This can include unfair dismissal or breach of employment contract, workplace harassment, defamation or misleading representation of an employee.

Allegations of unfair treatment by an employee due to race, age, gender, disability, sexual orientation or any other form of discrimination is also covered.  This will include discrimination of a potential employee in an interview setting.

In addition to this If the limit of indemnity is exhausted by a claim from an employee it will be fully reinstated if another claim arises from a different employee.*  
What isn’t covered under employment practices liability?
In cases of unfair dismissal or termination of employment, the policy will not cover unpaid wages or salaries owed to the former employees. These payments will still be payable by the employer.

Bodily injury suffered by an employee or any action by a work health and safety body is also not payable under an Employment Practices Liability policy. This is because compensation for an injured employee is covered under a workers compensation policy which is compulsory in all states and territories within Australia.

The policy will however cover injury that is found to be emotional distress as this can often be claimed in cases or harassment or bullying of an employee.
Explore more FAQs

Who does employment practices policy cover? 
A claim may be made by an employee against a director, another employee or the company as a whole. Directors, managers and directors may also bring a claim against the company or their colleagues.Along with employees the policy will also cover claims bought by any contractors or consultants of the policy holder and even unpaid volunteer workers.

Do I maintain my insurance if I stop trading?
Employment practice liability is what’s called a claims made type of policy. This means that a policy needs to be active when a claim arises in order to respond.

An employer may still be held liable for claims from former employees even if the business in question is no longer in operation. With all claims made policies we strongly recommend to maintain (run off^) cover after ceasing trading to protect against future liabilities.

What is the difference between a ‘known circumstance’, a ‘circumstance’ and a ‘notifiable circumstance’?

  • ​A 'known circumstance' is an incident that a person in a professional position should have reasonably known might result in a claim being made against them
  • A ‘circumstance’ is an incident where a person believes it might result in a claim against them
  • A ‘notifiable circumstance’ is where it is known that a claim will arise.
  • In all cases, you must advise your insurer, as they will be able to confirm whether they will indemnify the incident. If a claim proceeds to assessment, ABLA (Workplace Assured’s dedicated legal team) may be engaged for assistance to manage the claim alongside you.


Call 1800 943 599

8:30am - 5:00pm AET
Mon - Fri (except public holidays) 
*Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.

Full policy terms and conditions and exclusions apply. The Employment Practices Liability Insurance for clients of Workplace Assured is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 as agent for the insurer, CGU Professional Risks, Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Further information can be provided upon request.

Workplace Assured Pty Limited (Workplace Assured) (ACN 612 651 966) acts as a referrer of Aon’s products and services only. All services in relation to insurance products are provided by Aon Risk Services Australia Ltd ABN 17 000 434 720 AFSL 241141 (Aon), not by Workplace Assured. Workplace Assured is not a representative of Aon and accepts no legal responsibility for any advice given by, or any act or omission of, Aon.