As our society grows in complexity, so does the role of our legal professionals and the potential liabilities they face. ENCON’s Errors and Omissions (E&O) insurance protects legal professionals against allegations of errors, omissions and negligent acts.

The following provides examples of a few of the legal professions eligible for ENCON’s E&O insurance:

• Adjudicators
• Arbitrators
• Bailiffs/Sheriffs
• Court reporters
• Lawyers
• Mediators
• Paralegals
• Patent and trademark agents
• Registry offices
• Process servers
• Title searchers

• Policy Form – The insurance is written on a claims-made basis
• Policy Period – Annual and multi-year policies
• Capacity – Limits up to $10,000,000 with many attractive deductible options (higher limits also available upon request)
• Territory – Services rendered anywhere in the world, however, suits or judicial proceedings must first be brought against the insured in Canada (coverage for suits brought worldwide also available upon request)

• Lawyers: Coverage applies directly in excess of provincial law society or the Professional Liability Insurance Fund of the Barreau du Québec
• Coverage for predecessor firms
• Broad definition of insured
• Broad definition of insured services
• CGL insurance is available for E&O policyholders

• Commercial Umbrella Liability New!
• Security and Privacy Liability Coverage Endorsement New!
• Employment practices wrongful act liability coverage endorsement available for firms with less than 50 employees

• A completed profession-specific ENCON E&O application form (see list below) or a completed generic ENCON Errors and Omissions Insurance application form
• All applications must be submitted to ENCON through a licensed insurance broker

Profession-specific applications:

• Lawyers’ excess
• Paralegals
• Patent and trademark agents
• Registry agents

Professional Liability & Construction