What are the key exclusions?

The following are important exclusions on an EPL policy:

  • Retrenchments. Policy only covers unfair dismissals for misconduct and incapacity.
  • Wilful acts or the failure to follow the labour advisor’s guidance.
  • Salaries/remuneration/taxes etc that would have arisen in the absence of the unfair labour practice.
  • Severance pay which would have been payable had the retrenchment been done properly.
  • Claims arising out of a takeover or merger
  • Claims arising out of industrial action (strikes etc).
  • Costs of modifying property to accommodate disabled persons
  • Professional indemnity. This policy is unsuitable as PI cover if the Insured is a labour law consultant.
Employment Practices Liability