Companies involved in the design, development, manufacturing or assembling of technology hardware products are exposed to a range of unique risks. ENCON’s Hardware Manufacturers liability insurance provides comprehensive coverage to these companies and their employees with protection for liability claims arising from wrongful acts and intellectual property infringement. Commercial General Liability (CGL) insurance is also available on a monoline basis to insure exposures arising from bodily injury, property damage, personal injury and advertising injury, and product recall expense.

Coverage is available for Canadian-based companies, with revenues up to $50,000,000 that manufacture, design, assemble, distribute, maintain and service the following:

Computer and Electronics Products

• Computers, including peripherals and storage devices
• Office equipment and machinery
• Electronic and semi-conductor components
• Photonics
• Other electronic products that are programmed and/or controlled by electronic circuitry

Communications Products

• Radio and television broadcasting equipment
• Telephone and telegraph apparatus
• Communication subassemblies
• Acoustic, optical, fibre optical equipment
• Lasers and related equipment

Electronic Machinery and Equipment

• Teaching equipment
• Point of sale terminals
• Electronic industrial equipment and machinery

Electronic Instruments

• Industrial instruments for measurement, display and control
• Scientific and laboratory analytical, test and measurement devices
• Optical instruments and lenses
• Watches, clocks and operational devices and parts

Services

• Computer installation, maintenance and repair
• Distributors of electronic products and components

Please note: The availability of coverage for some of these classes will be governed by acceptability of individual risks based on the end-use of the applicant’s products.

• Policy Form – E&O coverage is written on a claims-made basis; CGL coverage is written on an occurrence basis
• Policy Period – Annual policies and multi-year policies available
• Limits are inclusive of defence costs, except in Quebec
• Territory – Services rendered and product offered anywhere in the world, subject to suit brought in Canada or the United States (full worldwide territory coverage available upon request)

E&O Insurance (Claims-made Form)

• Intellectual property infringement coverage (including copyright, trademark, service mark, trade name and trade dress, but excluding patent infringement and trade secret)
• First dollar defence coverage (deductible does not apply to defence costs)
• Split damages deductible
• Broad definition of insured services
• Duty to defend

CGL Insurance (Occurrence Form)

• Basic limit of $25,000 per recall/aggregate limit for product recall expense coverage (with options for increased limits and product recall expense with loss of profits as additional premiums)

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

• 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