HRoes Protection
HRoes helps UK employers prevent employment disputes, manage employee issues correctly and build the evidence they need if a claim arises – with up to £250,000 of cover included as part of the combined offering, as long as you follow our guidance.
Our Cover
A single employment dispute is costly, time-consuming, and difficult to defend. From grievances and disciplinaries to discrimination, harassment and unfair dismissal claims, getting the process wrong can leave your business at risk.
Prevent
Reduce employment risk with mandatory employee training, legally reviewed policies and compliance tools.
Advice
HR and employment law support to help you make the right decisions and follow appropriate processes.
Execute
Create clear, audit-ready evidence showing what training, policies, advice and actions were in place.
Protect
Get insurance-backed protection as part of the combined offering, providing up to £250,000 of cover for eligible employment claims.
Having an HR policy in place isn’t enough. If an employee raises a grievance, alleges discrimination or brings an employment tribunal claim, you may need to demonstrate what you did to prevent the issue and how you handled it.
Most growing businesses:
Tribunals and insurers increasingly expect evidence of:
Prevent and evidence
Many SMEs already pay for:
These are reactive. Employment Risk Cover is the prevention and evidence layer that helps those products stand up when needed.
It is structured employment risk protection for UK employers.
Higher defensibility
It supports:
We provide training, structured guidance, and compliance evidence designed to reduce employment-related disputes and improve defensibility.
When an employee issue becomes serious, you need more than a generic HR helpline. You need to know what to do, why you’re doing it and that you have the right evidence to support your decision.
With HRoes, if an eligible claim progresses to an employment tribunal, our cover includes representation from the best team of employment lawyers we know, personally recommended by our founder and award-winning employment lawyer, Elissa Thursfield.
Employment Risk Cover brings together the tools, expertise and protection you need to manage employment risk – before, during and after an issue arises.
Prevent employment problems
Manage them correctly
Build the evidence
Get protection if a claim arises
Insurance is included within the combined offering and is not available as a standalone product.
UK SMEs
Designed for growing UK businesses that need practical support managing employment law and HR risk.
Owner-managed businesses
For business owners who don’t want employment issues, HR compliance or tribunal claims taking them away from running their business.
Businesses without in-house HR
Get access to HR and employment lawyers without the cost of building a large internal HR team.
Businesses with an existing HR team
Give your HR team additional software, training, employment law expertise and insurance-backed protection when they need it.
Employment Risk Cover™ is a bundled HR and employment risk management service. Employment Practices Liability Insurance is included as one of the benefits of the relevant package and is not available to purchase separately.
Employment Risk Cover is a bundled employment risk management service designed to help you prevent, manage and respond to employment issues.
Your subscription will include:
The insurance element is included as a benefit of the bundled service and is not available to purchase separately.
Employment Risk Cover is a bundled HR and employment risk management service provided by HRoes.
As part of the overall package, Employment Practices Liability Insurance (EPL) is included as a benefit. The insurance is arranged through Caunce O’Hara Insurance Brokers Limited (COHIBL) and provided by an authorised insurer, subject to the applicable terms, conditions, exclusions and limits.
HRoes provides the HR, employment law, training, software and risk management elements of the service, while COHIBL manages insurance-related matters.
EPL insurance forms part of the overall Employment Risk Cover™ package.
It can provide protection for eligible employment-related claims, including certain legal costs and compensation or settlement costs, subject to the terms, conditions, exclusions and limits of the policy.
The insurance is arranged by COHIBL. HRoes provides the HR, employment law, training, software and risk management elements of the service.
If you have a question about the insurance, your cover, policy amendments or a potential claim, contact us today.
The bundled service includes up to £250,000 of insurance-backed protection, subject to the terms, conditions, exclusions and limits of the applicable policy.
The level and application of cover will depend on the circumstances of the claim and the policy wording.
Insurance is included as part of the overall HRoes package and is not charged for or sold as a standalone product.
The applicable excess depends on the circumstances of the claim and the terms of the insurance policy.
Where HRoes advice and recommended processes have been followed, the policy may provide for no excess in applicable circumstances.
However, an excess may apply where HRoes advice has not been followed, where there was no reasonable opportunity to address an issue before a claim arose, or where other circumstances specified in the policy apply.
No. The insurance is one part of the overall solution.
HRoes is designed to help you prevent problems before they become claims by combining employment law advice, HR support, training, software and evidence gathering.
The insurance provides an additional layer of financial protection where an eligible claim arises, subject to the policy terms.
Together, these elements give you support both before a problem occurs and if a claim subsequently arises.
No. No HR service or insurance policy can guarantee the outcome of an employment tribunal or legal claim.
HRoes helps reduce risk by supporting you to:
Where an eligible claim is covered by the insurance, the policy may provide financial protection for applicable legal costs and compensation or settlement costs, subject to its terms, conditions, exclusions and limits.
Employers are often expected to demonstrate that they have taken reasonable steps to prevent issues such as discrimination, harassment and other workplace problems.
This can include:
HRoes helps you put these measures in place and maintain evidence that they have been implemented.
Our cover provides the core tools and resources needed to support compliant employment practices, including:
The exact scope of insurance protection is subject to the applicable policy terms, conditions, exclusions and limits.
Complete Cover may be particularly useful if:
The higher tiers provide additional HR and employment law support alongside the software, training, compliance tools and insurance included within the overall proposition.
Having policies and training in place is a good starting point. The important question is whether you can demonstrate that they are being used and followed.
HRoes helps you record:
This creates a clearer evidence trail if you need to demonstrate how an employment issue was handled.
If an eligible employment claim progresses to an employment tribunal, Complete Cover includes tribunal representation from an experienced team of employment lawyers, recommended by our founder and award-winning employment lawyer, Elissa Thursfield.
You won’t be left to handle the process alone. You’ll be represented by the best team of lawyers we know, with expert support to help you prepare your case, understand the process and put forward the strongest possible defence.
Any representation and associated insurance protection is subject to the terms, conditions, exclusions and limits of the applicable cover.
No. The Employment Practices Liability Insurance is included as part of the HRoes bundled offering and cannot be purchased as a standalone product.
Our individual HR, employment law, software and learning services may be available separately, depending on the product, but the insurance element is only available as part of the relevant bundled service.
Employment Practices Liability Insurance included within the HRoes offering is arranged by Caunce O’Hara Insurance Brokers Limited (COHIBL), which is authorised and regulated by the Financial Conduct Authority under firm reference number 841497.
The insurance is provided by an authorised insurer and is subject to the applicable policy terms, conditions, exclusions and limits.
HRoes provides the HR, employment law, training, software and risk management elements of the service.
For questions specifically relating to the insurance ‑ including your cover, policy terms, amendments, increases, exclusions or claims ‑ you should contact us directly.
Once you subscribe, you can begin using the HRoes platform and accessing the services included in your package.
You can start assigning training, accessing policies and templates, recording compliance evidence and managing employment processes.
Complete packages also include additional onboarding and advisor support.
Your insurance cover will be subject to the applicable policy terms and commencement requirements.
Employment Risk Cover™ is typically structured as an annual subscription.
This allows you to maintain:
The specific subscription and insurance terms will be confirmed when you purchase.
Employment Risk Cover™ is a bundled HR and employment risk management service. Employment Practices Liability Insurance is included as one of the benefits of the relevant package and is not available to purchase separately.
The insurance is arranged by Caunce O’Hara Insurance Brokers Limited (COHIBL), which is authorised and regulated by the Financial Conduct Authority under firm reference number 841497, and is provided by an authorised insurer.
Insurance cover is subject to the applicable policy terms, conditions, exclusions, limits and eligibility requirements. The inclusion of insurance within the HRoes service does not constitute insurance advice from HRoes.
HRoes Services
Tribunal claims are rising. Insurers increasingly expect evidence of structured training and process discipline. The question is not whether you will face an issue. The question is whether you will be prepared.
