Business insurance
When people problems become legal ones.
Defend against claims of unfair dismissal, discrimination and harassment brought by your own team.
- Unfair dismissal claims
- Discrimination & harassment
- CCMA & Labour Court costs
Employment Practices Liability (EPL) insurance protects your business against claims from employees — current, former and even prospective — for things like unfair dismissal, discrimination, harassment and unfair labour practices. In South Africa's employee-friendly legal environment, even well-run businesses face CCMA referrals and Labour Court claims.
Ample arranges EPL cover that pays the legal costs and awards from employment disputes, so an HR issue doesn't drain your time and your cash.
What Employment Practices Liability covers
Unfair dismissal claims
Defence and awards from dismissal and retrenchment disputes.
Discrimination & harassment
Claims of unfair discrimination, harassment or victimisation.
CCMA & Labour Court costs
The legal costs of defending employment claims.
Unfair labour practices
Disputes over promotion, demotion, benefits and conduct.
Wrongful acts
Other employment-related allegations against the business and its managers.
Settlements & awards
Compensation ordered against the business, within the limit.
Who employment practices liability is for
- Any business with employees
- Growing companies hiring at pace
- Businesses without a large in-house HR or legal team
- Companies that have faced CCMA referrals before
Employment Practices Liability FAQs
We treat our staff well — do we still need EPL cover?
Yes. Even fair employers face claims, and defending a CCMA referral or Labour Court matter costs time and money regardless of who's right. EPL covers those legal costs and any award.
Does EPL cover CCMA cases?
Yes — EPL responds to the costs of defending employment disputes, including CCMA referrals and Labour Court claims for unfair dismissal, discrimination and related matters.
Who can bring a claim?
Current, former and even prospective employees can bring claims — over a dismissal, a discrimination allegation or a recruitment decision. EPL covers this wide range of exposures.
Isn't this covered by my other liability cover?
No. General liability and D&O don't cover most employment disputes. EPL is the specific cover for claims arising from how you hire, manage and dismiss staff.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
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