With a marketplace that is increasingly dependent on information technology (IT), high demands are being placed on IT professionals to deliver skilled services and specialized advice like never before. ENCON’s liability insurance program for IT professionals protects individuals and their firms against allegations of wrongful acts in the provision of their products or services, including infringement, security breach, privacy breach and data personal injury.

Coverage is available for the following IT businesses:

• Application service providers
• Computer consultants
• Custom programmers
• Data processors
• Internet service providers
• Software developers
• System designers
• System integrators
• Value-added resellers
• Web designers
• And other IT businesses

• Policy Form – The insurance is written on a claims-made basis
• Policy Period – Annual policies and multi-year policies available
• Territory – Services rendered worldwide

• Broad definition of insured services
• Intellectual property infringement coverage (copyright, trademark, trade name, service mark, trade dress or trade secret)
• Security breach, Privacy breach and Data Personal Injury coverage
• Duty to defend
• First dollar defence coverage (deductible does not apply to defence costs)
• Defence costs in excess of the limits available
• Split damages deductible
• Coverage for subcontractors
• Coverage for bodily injury and property damage arising from professional services
• Coverage for liability against damages resulting from criminal acts committed by a rogue employee
• Coverage for claims made against the Insured by their employees in the event of a Privacy breach
• Coverage for delay in the performance of a contract or agreement resulting from a wrongful act
• Coverage for remediation costs
• Coverage relating to Indemnity contracts
• 60-day basic extended reporting period
• Optional extended reporting period for up to three years

• Commercial Umbrella Liability New!
• Employment practices wrongful act liability coverage endorsement available for firms with less than 50 employees
• Commercial General Liability insurance (occurrence form) available to Errors & Omissions policyholders

• A completed ENCON Information Technology 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