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Employment Practices Liability (EPL) Insurance

Employment Practices Liability (EPL) Insurance protects an employer against financial loss arising from claims made by employees, former employees, or prospective employees alleging wrongful employment practices. These claims typically stem from how people are hired, managed, disciplined, or dismissed. In the South African context—where disputes are frequently channelled through the CCMA, Labour Court, or Labour […]

Travel Insurance: What Is (And Isn’t) Covered Right Now

War & Conflict Exclusions Most standard travel insurance policies issued in South Africa exclude losses arising from: War, invasion, acts of foreign enemies. Civil war, rebellion, insurrection. Terrorism linked to declared or undeclared war. Military action or escalation between states. Implication: If you travel into or remain in a country once it is regarded as […]