Employment Tribunal claims can be both costly and time-consuming, disrupting your business operations and leading to significant financial strain. At Loch, we understand the challenges employers face, and our Employment Tribunal Insurance is designed to provide comprehensive protection against these risks.

Protect Your Business with Employment Tribunal Insurance

Since the removal of fees from staff making a Tribunal claim, the number of such claims has escalated. It is possible to protect your business by investing in Employment Tribunal Insurance, which covers legal costs, mediation and settlement awards, however it’s always best to avoid a Tribunal so the insurance also pays for training from Loch on managing bullying and harassment.

Employment Law Protection Insurance, also known as Employment Tribunal Insurance or Legal Expenses Insurance, provides cover in the event of the common Employment Tribunal claims including unfair dismissal, wrongful dismissal, breach of contract, discrimination, and harassment. These are all matters that can affect an organisation of any size or in any sector and which can be a significant distraction for HR and senior managers as well as having a potentially significant cost implication, so having insurance provides peace of mind that this can be handed over to experts.

Why Employment Tribunal Insurance is Essential

Workplace disputes are becoming increasingly common, with employees more likely to pursue claims – whether or not they have merit. Defending these claims can cost employers thousands of pounds, even before considering potential awards. Our insurance policy covers legal expenses from the moment an employee initiates the ACAS Early Conciliation process, ensuring that your business is protected from the outset.

Low Cost, Significant Peace of Mind

Without insurance, the cost of defending a claim can easily exceed £10,000. With our cover starting at just £21 per month, it’s a financially sound decision for any employer.

Key Benefits of Our Policy

  • Extensive Coverage: Up to £50,000 per claim and £500,000 for total claims including costs and awards.
  • Affordable Legal Support: Access to a special discounted legal rate of £200 + VAT per hour once the insurance is triggered.
  • Predictable Costs: A £500 excess per claim, helping to keep financial exposure manageable.
  • Flexible pricing: Based on your number of employees, keeping costs relative to size.

Who is Eligible?

We can arrange immediate cover for businesses that meet the following criteria:

✔ No employment disputes in the last three years
✔ No previous refusals or declines for legal expense insurance
✔ No known pre-existing causes or circumstances likely to lead to a claim

However, for businesses that don’t meet these conditions, we can still provide a bespoke insurance solution tailored to your needs.

Looking to De-escalate a Situation?

Mediation might successfully resolve issues in the workplace without formal grievances or disciplinary action being taken – reducing both the time and cost implications for your organisation, and this can be funded through your insurance with us.

Get Covered Today

Securing your Employment Tribunal Insurance is simple. Contact us via hello@weareloch.com to put your policy in place, safeguard your organisation from the financial burden of employment disputes, and gain peace of mind knowing your business is protected.