Consumer perception has evolved to the point where organizations, their directors and officers, employees and services are being scrutinized as never before. ENCON’s Professional Indemnity Complete (PIC) safeguards an organization, its directors and officers, and its employees from allegations of errors, omissions or negligent acts. This unique product developed by ENCON combines non-profit Directors and Officers (D&O) liability and Errors and Omissions (E&O) insurance into one comprehensive policy.

The following list is a sample of the types of risks ENCON insures on the PIC policy:

• Professional associations
• Homes for the disabled
• Mental and physical rehab centres
• Shelters
• Community organizations
• Employment agencies
• Clinics
• Business development centres
• Group programs available

• Policy Form – The insurance is written on a claims-made basis with full coverage for prior acts
• Policy Period – Annual and three-year policies
• Capacity – Limits up to $10,000,000 (on a primary or excess basis)
• Territory – Claims made in Canada (worldwide coverage available on request)

• One combined D&O and E&O policy with one renewal date
• Multiple insuring agreements: D&O, Non-profit Outside Directorship, Employment Practices and Fiduciary
• First dollar defence coverage (deductible does not apply to defence costs)
• Duty to defend
• Severability of interests
• Broad definition of claim
• Bi-lateral discovery period
• Broad definition of insured (includes the entity, directors, officers, trustees, employees, volunteers and committee members)
• Spousal liability coverage
• Zero deductibles on most risks

• Worldwide coverage

• A completed ENCON Non-profit Entity Directors and Officers Liability and Errors and Omissions Insurance application form *
• Attachments as indicated on the application form
• All applications must be submitted to ENCON through a licensed insurance broker

* Please note that there are separate application forms for quotes on new submissions and for renewals.

Professional Liability & Construction