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Employment Practice Liability

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There are good reasons to consider Employment Practice Liability insurance from AIG


With an increasing body of workplace legislation, businesses have an intense exposure to employment practice related claims such as wrongful termination, discrimination, harassment and maintenance of a hostile work environment. Businesses with any kind of representation in the U.S. also face the potential consequences of huge awards and class actions. Our Employment Practice Liability product is specifically designed to protect the assets of a company and its directors, managers and employees against the growing risk of actions brought against them.

Your employees are getting more litigious

Our experience shows that employment tribunal cases have increased. But we also know that in reality businesses faced a lot more employment actions than that, because so many are settled in private without ever getting to tribunal.

Growing legislation

Today there’s broad range of legislation for businesses to keep track of such as age or religious discrimination. Strict enforcement of areas like sexual discrimination is reflected in the number of cases. Insurance helps protect the company and management by meeting damages, judgements, settlements and defence costs for many types of violations.

Managing your reputation

A public case can be bad for the reputation of company and its leaders. Our clients get access to high quality public relations assistance to plan and manage a communication strategy that will help manage your public image.

The financial costs are rising

Cases are getting more expensive as the caps on awards are increased each year – although they are unlimited in discrimination cases. Business also need cover against defence costs – and they pay employees’ costs as well if they lose the case.

Can your management keep up?

Much is expected of employers in their handling of employee actions. The burden of proof lies heavily with employers. Strictly defined procedures must be followed otherwise the case could be lost from the start by default. It’s a lot to keep up with and management should consider protection against even innocent slip ups.

Research support

The company and its subsidiaries may use the services of an independent expert who will work to clarify the circumstances of an actual or alleged wrongful act involving an employee. Our policies take a wide interpretation of who an ‘employee’ is.

Companies of all size and industry. Our EPL product is tailor made to suit associations, commercial public and private companies as well as financial institutions.

AIGLuxembourg@AIG.com

Virginie Kallen (Claims Handler)
Email: AIGLuxembourg@AIG.com
Tel: +352 44 30 32 20
Fax: +352 44 31 07

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All our products are available for purchase through Insurance Brokers. Please contact your broker for more specific information on our products.

Customer Service

AIG Europe Limited

10B rue des Mérovingiens
L-8070 Bertrange
LUXEMBOURG
Tel No: +352 44 30 32-1
Fax No: +352 44 31 07