Call free on
1300 575 394
Get a quote

Policy Wording

This policy wording only applies to clients with an EPL policy with a commencement date of up to 01/02/2021.
If your policy has a start date after this date, please contact AON on 1800 020 339 or

Change of Insurer - Endorsement
Section 1

In consideration of the payment of the premiums stated in Item 7 of the schedule the Insurer will provide indemnity in accordance with the terms,
conditions and exclusions contained in, endorsed on, or otherwise expressed in the policy.The Insurer will pay on behalf of the Insured Loss that the Insured is legally obliged to pay by reason of any Claim first made against the Insured during the Period of Insurance and notified to the Insurer during the Indemnity Period for:

(1) discrimination against any employee, former employee or applicant for employment because of race, colour, age, sex, disability, pregnancy, marital status, sexual orientation, sexual preference or otherwise;
(2) wrongful dismissal of any employee;
(3) workplace harassment (whether sexual or otherwise) of an employee;
(4) breach of an implied term of an oral or written employment contract;
(5) wrongful demotion, failure to promote, wrongful deprivation of career opportunity, wrongful discipline, negligent evaluation or failure to grant tenure of employment to an employee;
(6) wrongful refusal to employ a potential employee;
(7) defamation arising from employment related matters;
(8) misleading misrepresentation or advertising as to the terms and conditions of employment;
(9) denial of natural justice to an employee concerning his or her employment.

For the purposes of this Operative Clause only, “employee” shall mean principals, partners, directors, officers and employees of the Insured, voluntary workers, contract or temporary workers.
The total amount payable in respect of all Claims under this Policy shall not in the aggregate exceed the limit of aggregate liability as stated in Item 5 of the schedule.

Section 2

Unless expressly specified to the contrary, the cover granted by these extensions is subject to all the terms and conditions of this Policy.

Automatic Extensions
2.1 Advancement of Defence Costs
Where the Insurer elects not to take over and conduct the defence or settlement of any Claim in the name of the Insured, the Insurer shall meet the Defence Costs of the Insured in defending or settling any Claim made against them as they are incurred and prior to the finalisation of the Claim provided always that indemnity in respect of such Claim has been confirmed in writing by the Insurer.

Where the Insurer has not confirmed indemnity and it elects not to take over and conduct the defence of any Claim, it may, in its discretion, advance Defence Costs as they are incurred and prior to the finalisation of the Claim.

The Insurer reserves the right to recover any Defence Costs from the Insured in the event and to the extent that it is established that the Insured was not entitled to the Defence Costs so advanced.

2.2 Extended Reporting Period
If the Insurer refuses upon request to offer any terms and conditions during the Period of Insurance, the Insured shall have the right upon payment of an amount equal to 50% of the total expiring annual premium stated in Item 7 of the schedule to a once only extension of the Policy for a further 12 months immediately following the expiry of the Period of Insurance but only for any act committed or alleged to have been committed or attempted prior to the expiry of the Period of Insurance, provided always that the right to this extension is exercised prior to the expiring of the Period of Insurance.

2.3 Estates & Legal Representatives
The estates, heirs or legal representatives of any deceased, incompetent or insolvent Insured shall be indemnified in like manner to such Insured provided always that they shall be subject to all of the terms and conditions of this Policy insofar as they are applicable.

2.4 Attendance at Official Investigations or Inquiries
The Insurer will pay Defence Costs incurred with its prior written consent by or on behalf of the Insured in attending any official investigation, examination, inquiry or other proceedings ordered or commissioned by any official body or institution, where the Insured is legally compelled by such body or institution to attend such investigation, examination, inquiry or proceeding and which involves an allegation against the Insured of an act which is the subject of indemnity under this Policy.

2.5 Continuity of Cover
Notwithstanding Exclusion 3.2 of this Policy, the Insurer will indemnify any Insured for any Claim otherwise indemnified by this Policy, arising from a Known Circumstance if:

(1) There has been no fraudulent non-disclosure or fraudulent misrepresentation by the Insured in respect of such Known Circumstance; and
(2) The Insurer was the Employment Practices Liability insurer of the Insured when the Insured first knew of such Known Circumstance; and
(3) The Insurer continued, without interruption, to be the Employment Practices Liability insurer of the Insured up until this Policy came into effect; and
(4) Had the Insurer been notified by the Insured of the Known Circumstance when the Insured first knew of it, the Insured would have been indemnified under the policy in force at that time and the Insured would have (but for Clause 3.2 of this Policy) otherwise been covered by this Policy; and
(5) Neither the Claim nor Known Circumstance have previously been notified to the Insurer or to any other insurer.

If the Insured was entitled to have given notice under any other policy of insurance and thereby have an entitlement to indemnity, in whole or in part, then this Continuity of Cover extension does not apply
to provide indemnity under this Policy.

The aggregate limit of the indemnity provided by the Insurer under this provision is the lesser available under the terms of the policy in force at the earlier time referred to in paragraph (3) above or under this Policy. The terms of this Policy otherwise apply.

2.6 New Subsidiaries
Where the Insured creates or acquires a Subsidiary Company during the Period of Insurance, the Insurer will provide indemnity in respect of such Subsidiary Company, but only in respect of acts actually or allegedly committed or attempted from or after the time when such entity becomes a Subsidiary Company. In the case of a Subsidiary Company whose consolidated asset value exceeds, as at its last balance date or date of its creation, 20% of the total consolidated asset value of the Insured:

(1) notification of such Subsidiary Company shall be given in writing to the Insurer within 60 days after such acquisition or creation; if notification is
not given to the Insurer within 60 days after the acquisition or creation, cover will cease at 4.00 pm 60 days after the acquisition or creation;
(2) the Insurer may in its discretion, provide cover for such Subsidiary Company subject to such additional terms and/or premium.

Optional Extension
Where indemnity is provided under this extension,it shall be indicated in Item 9 of the schedule or by subsequent endorsement.

2.7 Reinstatement of Aggregate Limit
Upon the Insurer having made Loss payments under the Policy up to the limit of aggregate liability stated in Item 5 of the schedule, the limit of aggregate liability shall be reinstated to the same amount, provided always:-
(1) the reinstatement shall not apply to an existing Claim on which a Loss payment has been made, or to a subsequent Claim brought in respect of an event, or of an event related to an event, in respect of which a Loss payment had been made by the Insurer under another Claim before reinstatement;
(2) if the Insured has extra insurance in excess of this Policy, then the reinstatement shall not apply until the extra insurance has been exhausted.


This Policy does not provide an indemnity for any Loss arising out of any Claim, or for Defence Costs incurred pursuant to Section 2.4:

3.1 Dishonesty & Fraud 
brought about by, contributed to by or which involves the dishonest, fraudulent or malicious act or omission or other act or omission committed with criminal intent of such Insured.

The Insurer shall have the burden of proof of establishing the existence of the subject conduct.

3.2 Known Claims & Known Circumstances 
(1) known as at the inception date of this Policy, or 
(2) arising from a Known Circumstance
(3) directy or indirectly based upon, or attributable to, or in consequence of any such Known Circumstance.

3.3 Strikes, Lock-outs, etc. 
brought about by, contributed to by or which involves acts committed during or in connection with any industrial dispute (whether between employer and employee or between employees or their unions or generally), strike, picket, lock-out, go slow or work to rule.

3.4 Workers’ Compensation/ Occupational Health & Safety Legislation 
brought about by, contributed to by or which involves Claims arising under, or pursuant to, or in relation to any Workers’ Compensation or Occupational Health and Safety Acts or similar legislation.

3.5 Insolvency 
after the appointment of any liquidator, receiver and manager, official manager, administrator or trustee administering a compromise or scheme of arrangement of the Insured named in Item 1 of the schedule but this exclusion is not to apply to Claims notified prior to the appointment.

3.6 Bodily Injury & Property Damage arising from:
(1) bodily injury (except emotional distress or mental anguish), sickness, disease or death of any person; or
(2) destruction of or damage to tangible property (including the loss of use
thereof); or

3.7 Physical Modifications to premises.
For the cost of physical modifications to premises, plant or equipment owned or occupied by the Corporation.

3.8 Date Recognition
Notwithstanding anything contained to the contrary herein, this Policy does not provide an indemnity against any Claim made against the Insured arising from or in respect to the use in any way:
(1) by the Insured; or
(2) by any supplier, past, present or future, of services or products to the Insured, of any computer program, software products, computer data processing equipment or media, microchip, programmed logic controllers, integrated circuit or any electronic equipment which fails to:
(a) correctly recognise any date as its true calendar date; or
(b) capture, save or retain and/or correctly manipulate, interpret, or process any data, information, command or instruction as a result of treating any date otherwise than as its true calendar date; or
(c) capture, save, retain or correctly process any data as a result of the operation of any command which has been programmed into any computer software being a command which causes a loss of data or the inability to capture, save, retain or correctly process such data on or after any date; or
(d) otherwise fails to correctly or effectively provide for the change of date when the Year 1999 concluded and the Year 2000 commenced.

Further, this Policy does not provide an indemnity against any Claim arising from or in respect to any duty owed by the Insured in respect of any issue related to Year 2000 conformity as defined in the Standards Australia/ Standards New Zealand SAA/ SNZ MP 77 document.

Notwithstanding anything contained to the contrary in Extension 2.6 of this Policy (Continuity of Cover), the indemnity provided by that Extension is subject to this Date Recognition Exclusion.

3.9 Asbestos 
which would not have arisen but for the existence of asbestos.

3.10 Unfair Contracts
For or in respect of:
(1) a contract of employment alleged to be unfair
(2) the seeking of relief pursuant to Section 127A of the Workplace Relations Act (Commonwealth) or Section 106 of the Industrial Relations Act (NSW) 1996 or Section 276 of the Industrial Relations Act (Queensland) 1999 or similar legislation in the other states or territories of the Commonwealth of Australia or in New Zealand.

3.11 Fines and Penalties
arising from or by reason of or directly or indirectly caused by or arising from fines and penalties imposed by law, punitive, exemplary or aggravated or multiple damages, income tax, customs duties, excise duty, stamp duty, sales tax or any other State or Federal tax or duty.

3.12 Pollution, Nuclear Risks, War & Terrorism
arising directly or indirectly from or caused by or contributed to by, or happening through or in connection with:
(1) pollution or contamination howsoever and wheresoever occurring. For the purpose of this Policy, the term Pollution shall have the meaning ascribed to it in the Protection of the Environment Operations Act 1997 No 156 (NSW).
(2) atomic energy operations employing the process of nuclear fission or fusion or handling radioactive material which operations include but are not limited to:
(a) the use of nuclear reactors such as atomic piles, particle accelerators or generators or similar devices; or
(b) the use, handling or transportation of radioactive materials; or
(c) the use handling or transportation of any weapon of war or explosive device employing nuclear fission or fusion.

Provided always that this Exclusion 3.7(3) shall not apply to any Claim arising from radio-isotopes or radium or radium compounds when used away from the place where such are made or produced and when used exclusively incidental to ordinary industrial, educational, medical or research
pursuits; or
(3) war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any Government or Public or Local Authority, except to the extent that such an order arises as a result of any Wrongful Act committed by any Insured.

(4) any act of terrorism. Further there is no indemnity for any Claim arising from or related to any death, injury, illness, loss, damage, cost or expense of nature directly or indirectly caused by, resulting from, or in connection with any action taken in controlling, preventing, suppressing or in any way relating to an act of terrorism.
Terrorism is defined as being an act, which may include but is not limited to an act involving the use of force or violence and/or threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), which from its nature or context is done for, or in connection with, political, religious, ideological, or ethnic or similar purposes or reasons, including the intention to influence any government and/or to put the public, or any section of the public, in fear.

3A Advice Exclusion and Endorsement
Notwithstanding anything else to the contrary contained in the Policy, it is declared and agreed that this Policy does not provide an indemnity for any Loss arising out of any Claim, or for any Defence Costs incurred, directly or indirectly, based upon, attributable to, or in consequence of the Insured having failed or declined to:
(1) seek advice about a Claim or any fact or circumstance that might give rise to a Claim from Australian Business Lawyers & Advisors; and/or
(2) follow advice obtained about a Claim or any fact, or circumstance that might give rise to a Claim, from Australian Business Lawyers & Advisors; and/or
(3) continue to seek, and follow, advice about a Claim or any fact or circumstance that might give rise to a Claim, from Australian Business Lawyers & Advisors until the date of the resolution of such Claim, fact or circumstance.
This endorsement applies to Insured(s) who either purchased Workplace Assured or renewed their Policy on or after 1 March 2019.

Section 4

4.1 Authorisation Clause
By acceptance of this Policy, the Insured named in Item 1 of the schedule agrees to act on behalf of all other entities comprising the Insured with respect to the giving and receiving of notice of cancellation, the payment of premiums and the receiving of any return premiums that may become due under this Policy and the acceptance of endorsements or other notice provided for in this Policy.

4.2 Severability & Non Imputation
For the sake of determining cover under this Policy:
(1) the written proposal shall be construed to be a separate application for cover by each of the Insured and no statement or representation in or with respect to the proposal by an Insured shall be imputed to any other Insured.
(2) this Policy shall, subject to General Condition 4.9 (Non-Accumulation), be construed to be a separate policy between the Insurer and each Insured and no breach of any term or condition of this Policy or other misconduct by an Insured shall be imputed to any other
(3) no fact or knowledge possessed by an Insured shall be imputed to any other Insured.

Provided always that this Condition shall not apply where there was a fraudulent misrepresentation or fraudulent noncompliance with the duty of disclosure, to the Insurer, at the time of entering into the Policy.

4.3 Merger or Consolidation
Where the Insured shown in the schedule merges or is consolidated with or becomes the Subsidiary Company of another company or entity during the Period of insurance I the Insurer will continue to provide indemnity in respect of the Insured shown in the schedule and its Subsidiary
but only in respect of acts preceding the time of such merger,
consolidation or acquisition.

4.4 Claims Co-operation
The Insured shall use due diligence and do and concur in doing all things reasonably practicable to avoid or diminish any Loss hereunder, and shall immediately give all such information and assistance to the Insurer as it may reasonably require to enable it to investigate and to defend the Claim and/or to enable the Insurer to determine its liability
under this Policy. The Insurer may, on request from the Insured for indemnity under this Policy, take whatever action that it considers appropriate to protect the Insured’s position in respect of the Claim and such action by the Insurer shall not be regarded as in any way prejudicing its position under this Policy and no admission of the Insured’s entitlement to indemnity under this Policy shall be implied.

4.5 Court Jurisdiction
It is further understood that this Policy shall be governed by the law of the State or Territory where this Policy was issued and whose courts shall have jurisdiction in any dispute arising under or in connection with or in respect of the provisions of indemnity under this Policy. For the purpose of this condition the place of issue stated in Item 12 of the schedule shall be conclusive.

4.6 Deductibles
The amount of relevant deductibles stated in Item 6 of the schedule (including a deductible co-insurance percentage) shall be applied to each and every Claim bought under this Policy.
Where the same act results in more than one Claim being made against the Insured then only one deductible shall apply to any such Claim covered by this Policy. In the event of a Claim being based on separate, different or additional acts, then the relevant deductible shall apply in respect of each act.

4.7 Aggregate Liability
The Insurer shall only be liable to provide indemnity to the extent of the amount of the limit of aggregate liability stated in Item 5 of the schedule.

Any Loss arising out of all interrelated acts of any Insured shall be deemed one Loss and such Loss shall be deemed to have originated in the earliest Period of Insurance in which a Claim is made against any Insured by reason of any act.

Any costs incurred by the Insurer in investigating any fact, situation or circumstance which may give rise to a Claim shall be deemed for all purposes of the Policy to be Defence Costs incurred under the Policy.

Any amount paid by the Insurer in settlement of a dispute which may otherwise become a Claim, shall be deemed for all purposes of the Policy to be a Loss incurred under the Policy.

4.8 Paragraph Headings
The paragraph headings in this Policy are included for the purpose of reference only and do not form part of this Policy for interpretation purposes.

4.9 Non Accumulation
The inclusion in this Policy of more than one (1) Insured shall not operate to increase the Insurer’s limit of aggregate liability stated in Item 5 of the schedule.

4.10 Notice
Any notice required to be given under this Policy to the Insurer shall be validly and lawfully given if it is given to the Insurer in writing at the address or to the facsimile number stated in Item 11 of the schedule. 

4.11 Gender and Number
Except where the context otherwise requires it, words importing a gender include every other gender, words in the singular shall include the plural and words in the plural shall include the singular.

4.12 Q.C. Clause
Neither the Insured nor the Insurer shall be required to contest any legal proceedings unless a Queen’s Counsel or Senior Counsel (mutually agreed upon by the Insured and the Insurer or in default of such agreement, selected by the Chairman or President of the local Bar Council) shall advise that such proceedings should be contested. In formulating his or her advice, Counsel shall take into consideration the economics of the matter, having regard to the damages and costs which are likely to be recovered by the plaintiff, the likely Defence Costs and the prospects of the Insured successfully defending the action.

The costs of such Counsel’s opinion shall, for the purpose of this Policy, be regarded as part of the Defence Costs. In the event that Counsel advises that, having regard to all the circumstances, the matter should not be contested but should be settled, providing settlement can be achieved within certain limits which, in Counsel’s opinion, are reasonable, then the Insured shall not object to any such settlement and shall co-operate with the Insurer to effect such settlement in accordance with this Policy.

4.13 Settlement Procedure 
Subject always to the provisions of the Insurance Contracts Act the Insured shall as a condition precedent to the right to be indemnified under this Policy not admit liability for or settle any Claim or incur any costs or expenses in connection therewith or enter into settlement without the written consent of the Insurer which shall be entitled to at any time take over and conduct in the name of the Insured the defence or settlement of any Claim. However, if the Insured shall refuse to consent to any settlement recommended by the Insurer and shall elect to consent or continue any legal proceedings in connection therewith, the Insurer’s liability for the Claim shall not exceed the amount for which the Claim could have been so settled plus the Defence Costs incurred up to the date of such refusal.

4.14 Subrogation
In the event of any payment by the Insurer for a Loss under this Policy, the Insurer shall be subrogated to the extent of such payment of all an Insured’s rights of recovery thereof and the Insured shall execute all papers required and do everything that may be necessary to secure such right including the execution of such documents necessary to enable the Insurer effectively to bring suit in the name of the Insured except that all right of subrogation is waived under this Policy against an Insured to whom protection is afforded under this Policy.

Provided always that:
(1) if such Insured is protected from such Loss by any other policy of insurance, the right of subrogation is not waived to the extent and up to the amount of such other policy.
(2) the Insurer does not waive any right of recovery of any deductible stated in Item 6 of the schedule as applied in accordance with this condition.

4.15 Territory and Jurisdiction
(1) The indemnity provided by this Policy extends to acts occurring anywhere in the world.
(2) The indemnity provided by this Policy extends to Claims made anywhere in the world, except:
(a) actions brought in or determined pursuant to the law of, the United States of America or the Dominion of Canada, or their Territories or Protectorates; or
(b) any Claim arising out of the enforcement of judgements, orders
or awards obtained in or determined pursuant to the laws of the United States of America or the Dominion of Canada, or their
Territories or Protectorates.

4.16 Other Insurance
Subject to the Insurance Contracts Act 1984 where the Insured is entitled to indemnity pursuant to a separate policy of insurance more specifically providing cover in respect of the Claim this Policy does not respond except to the extent that the Insured’s liability for any claim exceeds the amount of cover under such other policy.

4.17 Cancellation
Under Section 60 of the Insurance Contracts Act 1984 the Insurer may cancel this Policy.

4.18 Legal Enforceability
For the Policy to be legally enforceable, it must include a schedule that has been appropriately signed by an officer of the Insurer.

4.19 Goods and Services Tax
Where the Insurer makes a payment under this Policy for the acquisition of goods, services or other supply the Insurer will reduce the amount of the payment by the amount of any input tax credit the Insured is, or will be, or would have been entitled to under A New Tax System (Goods and Services Tax) Act 1999, in relation to that acquisition, whether or not that acquisition
is actually made.

Where the Insurer makes a payment under this Policy as compensation instead of payment for the acquisition of goods, services or other supply, the Insurer will reduce the amount of payment by the amount of any
input tax credit that the Corporation would have been entitled to under A New Tax System (Goods and Services Tax) Act 1999 had the payment been applied to acquire such goods, services or other supply.

4.20 Allocation
In the event of a Claim which is made against an Insured and which is covered only partly by this Policy, the Insured will use its best efforts to ensure a fair and proper allocation of the Claim for insured and uninsured portions.

The Insured will also advance Defence Costs on a similar basis, which will apply to all Defence Costs unless otherwise agreed by all parties. 

Section 5

Whenever appearing in this Policy in bold type and with a capital letter the following terms shall be interpreted only in the manner described below. These words may appear without bold type in endorsements on the policy schedule.

5.1 Claim means any writ, summons, application or other originating legal (criminal, civil or otherwise) or arbitral proceedings, cross claim or counter-claim or proceedings referred to in Extension 2.4 issued against and served upon any Insured who is entitled to indemnity under this Policy.

5.2 Defence Costs means all reasonable costs, charges and expenses (other than regular or overtime wages, salaries or fees of any principal, partner, director, officer or employee) incurred with the prior written consent of the Insurer in defending any Claim or incurred pursuant to section 2.4.

5.3 Indemnity Period means the Period of Insurance and the Extended Reporting Period if extension 2.2 (Extended Reporting Period) is in force.

5.4 Insured means:
(1) the corporation, trust, other entity, person, persons or partnership whether incorporated or not as shown in Item 1 of the schedule.
(2) any Subsidiary Company.
(3) any current or former principals, partners, directors, officers and employees of any entity described in definition 5.4(1) and
5.4(2) but only with respect to their duties as principals, partners, directors, officers and employees of the entity.

5.5 Insurer means CGU Professional Risks Insurance, a division of Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance.

5.6 Known Circumstance means any fact, situation or circumstance which:
(1) any Insured was aware of prior to this Policy inception, or

(2) a reasonable Insured would have considered at any time prior to the period of Insurance might result in someone making an allegation against an Insured in respect of a Loss that might be covered under this Policy.

5.7 Loss means the amount payable in respect of a Claim made against the Insured and shall include judgements, settlements, interest, costs, Defence Costs and damages including backpay where reinstatement of an employee
by a court is ordered but excludes any payments which the Insured is required to pay pursuant to a specific obligation imposed under a contract of employment, employment agreement, statute, award or otherwise.

5.8 Period of Insurance means the Period of Insurance stated in Item 4 of the current schedule.

5.9 Policy means:
(1) All the terms, conditions, definitions, exclusions, and limitations contained herein;
(2) the schedule;
(3) any endorsements attaching to and forming part of this Policy,either at inception or during the Indemnity Period.

5.10 Subsidiary Company means any company or other incorporated entity which at the inception of the Period of Insurance by virtue of Australian law was or is, either directly or indirectly a subsidiary of the Insured.

Provided always that the accounts of any Subsidiary Company are consolidated into those of the Insured in accordance with the
relevant accounting standard.

Section 6


We collect personal information from you for the purpose of providing you with insurance products, services, processing and assessing claims.
You can choose not to provide this information, however, we may not be able to process your requests.
We may disclose information we hold about you to other insurers, an insurance reference service or as required by law. In the event of a claim, we may disclose information to and/or collect additional information about you from investigators or legal advisors.
If you wish to update or access the information we hold about you, contact us.

Northern Regional Office
10 Spring Street Sydney NSW 2000
PO Box H90 Australia Square Sydney NSW 1215
DX 10260 Sydney Stock Exchange
Tel. (02) 8224 4655 Fax (02) 8224 4030

Southern Regional Office
Level 14, 181 William Street
Melbourne VIC 3000
GPO Box 4609 Melbourne VIC 3001
DX 38206 Flagstaff
Tel. (03) 9601 8700 Fax (03) 9602 5255

Queensland Branch
Kings Row 50 McDougall Street Milton QLD 4064
PO Box 1495 Milton QLD 4064
DX 203 Brisbane
Tel. (07) 3212 7725 Fax (07) 3212 7733

Western Australia Branch
Level 6 179 St. George’s Terrace Perth WA 6000
PO Box 7018 Cloisters Square Perth WA 6850
DX 199 Perth
Tel. (08) 9278 1495 Fax (08) 9321 9923

CGU Professional Risks Insurance
A Division of Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance.

Like what you’re hearing?

With plans available from just $58 per week, now is an excellent time to join Workplace Assured.