Protect your business from costly claims with confidence
Employment tribunal claims are one of the biggest financial and operational risks facing employers today. Many businesses choose to settle early—not because they are in the wrong, but because the cost of defending a claim can quickly outweigh the settlement itself.
Legal fees, management time, uncertainty, and the risk of paying a tribunal award all add up.
That’s why we’ve partnered with Albion Insurance to provide a comprehensive Employment Protection Scheme, giving your business the confidence to defend claims properly—without worrying about spiralling costs.
Why Employment Tribunal Insurance matters
Without insurance, even a straightforward tribunal claim can result in:
- Significant legal fees
- Pressure to settle early
- Lost management time
- Unplanned tribunal awards
Our Employment Protection Scheme removes that risk by providing structured, reliable cover when you need it most.
What our Employment Protection Scheme covers
Our policy protects your business against:
✔ Employment tribunal costs
✔ Legal fees
✔ Settlement agreements
✔ Tribunal awards
This cover forms a key part of how we help safeguard our clients’ businesses.
A unique advantage: control stays with us
Unlike many traditional legal expense insurance policies, this scheme is fully controlled by us, not the insurer.
That means:
- No uncertainty about whether support will be approved
- Clear guidance from the outset
- Flexibility when managing claims
- Consistent, practical advice throughout the process
You stay in control, with expert support at every stage.
What the policy includes in practice
When a claim arises, the policy covers support for:
- Dealing with ACAS
- Preparing and responding to ET1 and ET3 documentation
- Legal representation at employment tribunals
- Payment of tribunal awards if a claim is lost
- Discussing and funding settlement agreements where appropriate
The only requirement is that you follow all advice provided by us throughout the claim.
Policy limits and excess
- £50,000 limit of indemnity per claim
- £500,000 aggregate limit per client
- £500 standard excess per claim
This provides substantial protection for most employment tribunal scenarios.
Fees and ongoing support
- Tribunal legal advice charged at £150 + VAT per hour
- A monthly per-employee fee applies
- Includes unlimited access to our Health & Safety and HR training courses
- Subject to 12% Insurance Premium Tax
This approach ensures predictable costs and ongoing compliance support—not just insurance.
Frequently Asked Questions
What is ACAS?
ACAS (Advisory, Conciliation and Arbitration Service) is the organisation that handles early conciliation before an employment tribunal claim can proceed. Most claims must go through ACAS before reaching a tribunal.
What are ET1 and ET3 forms?
- ET1: The form an employee submits to start an employment tribunal claim.
- ET3: The employer’s formal response to that claim.
Preparing these documents correctly is critical to defending a case effectively.
What happens when a claim arises?
Once a claim is received:
- We take control of the process
- We manage ACAS and tribunal documentation
- We provide legal support throughout
- We advise on defence or settlement strategy
- Costs, awards, and settlements are covered in line with the policy
You are supported from start to finish.
Is this better than settling early?
In many cases, yes. Having insurance in place allows you to make commercial, informed decisions, rather than settling purely to avoid legal costs or uncertainty.
Protect your business today
Employment tribunal claims are unpredictable—but your response doesn’t have to be.
Our Employment Protection Scheme gives you:
- Financial protection
- Expert guidance
- Control and certainty
- Peace of mind
Book a consultation with us at www.lbjconsultants.co.uk/contact-us/ or call us on 07984 568523
