Claims arising from wrongful employment practices have increased in frequency and can be extremely costly to defend, particularly when you also factor in the potential damage to the brand and reputation of the employer. As a complement to our existing product lines, ENCON offers a stand-alone Employment Practices Liability (EPL) policy, which features broad coverage, in an easy-to-understand policy wording. The policy was designed with straight-forward language on a suits in Canada only basis. However, ENCON can address the needs of companies with moderate US and foreign exposure by endorsing the policy to expand the coverage to a worldwide format.

The stand-alone EPL policy is designed for small, medium and large privately held companies who see the need for EPL coverage in the absence of D&O coverage, and for publicly traded companies who do not want their EPL coverage to be on the same policy as their D&O, so that their available limits for either coverage are not depleted. The following provides a sample of businesses that are eligible for stand-alone EPL insurance:

• Retail
• Professional services
• Technology
• Crown corporations
• Health care
• Financial
• Media
• Industrial

• Policy Form – The insurance is written on a claims-made basis with full coverage for prior acts
• Policy Period – Annual and two-year policies
• Capacity – Limits from $250,000 to $10,000,000
• Territory – Suits brought in Canada only (worldwide coverage available by endorsement)

• Right and duty to defend any claim for monetary or non-monetary relief
• Clear pay on behalf language. Simple easy-to-read policy
• Zero deductibles for qualifying risks
• Full entity coverage
• Broad definition of EPL wrongful act
• Third party coverage included
• No insured versus insured exclusion
• Full prior acts coverage
• 100% defence costs coverage
• Non-cancellable except for non-payment of premium
• No hammer clause

A completed ENCON Employment Practices Liability Insurance 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