Dear Customer ,
Thank you for your insurance law question today. This is most likely a civil matter rather than a criminal matter. Because civil matters are limited to the fact that some loss is incurred by the plaintiff (yourself) it is hard to sue your employer if you did not in fact suffer a loss, ie could not collect on the insurance policy due to your employer’s actions.
Hence, If you didn’t suffer any detriment due to his failure to correctly pay the policy premiums, bringing a civil suit without proof of damages is not really possible.
Criminally, if it could be proved that your money for the premiums were misappropriated for some other use, then he could be caught within some fraudulent ambit of the law, false accounting, embezzlement or conversion.
There would be evidential grounds for a successful prosecution in one of these area.
Perhaps, the way your employer is most likely to be caught is for breach of contract.
Breach of contract is actionable per se without a need to show damages.
Your local attorney after a full consultation might decide to bring this kind of action after a full review of case law and examination of your contract.
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