Claim type: Unfair dismissal
Background
An IT consultancy faced a claim from a former employee who had been made redundant. The employee claimed he shouldn’t have been selected for redundancy as he had taken a salary sacrifice in the last year.
How did the policy respond?
The Employment Practice Liability section provides cover for a wide range of employment matters such as unfair dismissal, breach of contract and discrimination. This claim could be covered for defence costs up to the selected limit of liability under this section.
How did the policy benefits help?
Proactive steps – rradar’s online guidance and document templates and letters on redundancy, includes: a breakdown of the redundancy process, examples of identifying those at risk of redundancy and the selection criteria, how to structure a redundancy consultation meeting, ways of looking at suitable alternative work to redundancy, the redundancy appeals process, guides to compulsory redundancy, voluntary redundancy, ways of avoiding redundancies.
There’s also a suite of documents and guidance on fair and unfair dismissals, automatic unfair dismissal, constructive dismissal and wrongful dismissal. Policyholders have access to the Legal Advice Line service for 1:1 guidance and support from one of rradar’s advisory team specialising in HR and employment matters.
Claim type: Jurisidcation issues – Scotland
Background
One of the Directors of the insured was driving during the course of business when he was pulled over by police and charged with using a mobile phone while driving. The Director contacted rradar for advice and made a claim when a court citation arrived. The Director was facing 6 penalty points if convicted of the offence, which would have resulted in a ban from driving under the totting-up provisions of the Road Traffic Offenders Act 1988.
How did the policy respond?
Cover under the Directors’ & Officers’ Liability section of the policy was confirmed and rradar represented the director at court.
How did the policy benefits help?
rradar’s BCR team was able to negotiate an acceptable plea of guilty to an amended charge which reduced the number of penalty points imposed to 3, resulting in the Director retaining his licence.
Claim type: Pension investment error
Background
A recently retired employee made a claim against his former employer. He alleged the company had failed to amend his investment risk profile as he had asked, leading to a loss of £15,000 from his pension pot. It was clear that an error had indeed been made and the company was required to settle the claim.
How did the policy respond?
The Company Legal Liability section of the policy provides defence costs and cover for damages and claimant costs in relation to a claim for a wrongful act in connection with the operation or administration of your pension schemes (other than a Defined Benefit scheme).
How did the policy benefits help?
rradar’s online resources cover the basics of setting up workplace pension schemes, the types available and have enrolment FAQS. Additionally, rradar provides a Tax and Payroll section to help employers ensure that their staff’s work status and tax contributions comply with current legal requirements as well as access to the Legal Advice Line service for 1:1 guidance and support on Tax and Payroll issues.
Claim type: Discrimination
Background
A HR co-ordinator for a large construction firm returned from maternity leave to find that their temporary replacement was being paid more than them. Upon requesting a pay increase, they were refused due to being pregnant again. An Employment Tribunal was brought under the Equality Act 2010.
How did the policy respond?
The Employment Practice Liability section provides cover for a wide range of employment matters such as unfair dismissal, breach of contract and discrimination. This discrimination claim was covered for defence costs and damages up to the specified limit of liability under this section.
How did the policy benefits help?
rradar’s online resources have specific guidance on the Equality Act 2010, introduction to the gender pay reporting requirements, equal opportunities policy templates. Legislation explaining articles to help policyholders promote equal opportunities and diversity in the workplace. Policyholders have access to the Legal Advice Line service for 1:1 guidance and support from one of rradar’s advisory team specialising in HR and employment matters.
