Legal Insurance for Employment Tribunal

paddyandstumpy

I've just checked the LV home insurance wording, as it's one I'm familiar with.
It would cover employment tribunal costs providing the insured event happened in the policy period.

Insured event is then defined as:
"The start of an individual or series of events that may lead to a claim under this section.
We’ll treat all events related by cause or time as one.
The insured event will be treated as occurring on the date that you first became aware of the start of an individual or series of events, problems or disputes covered under this insurance."

So, for this policy, the OP wouldn't be covered, as the insured event has already begun.

davidwatts

paddyandstumpy wrote: »

So, for this policy, the OP wouldn't be covered, as the insured event has already begun.

Absolutely, and the same policy also excludes employment claims occurring within 90 days of the start of cover. I thought I'd seen such a provision in respect of this aspect of LEI cover. I looked at another firm's policy and it's excluded for 120 days. Obviously to protect insurers against the scenario where the customer had an idea that something might happen.

I think this element of the cover is fairly generic so would say you've got no chance of finding an insurer who would provide cover in the OP's circumstances under what is, after all, known as "before the event" legal cover!