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Employment Practices Wrongful Act Liability Endorsement

Learn more about this coverage.

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Protecting businesses against sudden employee lawsuits

This product is available to current policyholders only, acting as a complement to their existing coverages.

It offers rounded, reliable protection against allegations of wrongdoing made by employees against their business – including discrimination, harassment, wrongful termination and more. 

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Take a look at our sister product, Employment Practices Liability

This product is available to more types of clients and does not require you to be an existing policyholder with us.

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This coverage is intended for small- to mid-size firms that do not purchase Employment Practices Liability (EPL) insurance as an extension of their Directors and Officers Liability policy or as a separate, stand-alone EPL insurance policy.

The endorsement is available to firms with 50 or fewer employees in total under:

  • Technology Insurance
  • Professional Liability for Architects and Engineers
  • Errors and Omissions

  • Policy form – coverage is provided by endorsement to the policy
  • Policy period – identical to the policy to which the endorsement is attached
  • Capacity – a sublimit of $250,000 per claim and in the aggregate applies to this coverage; this sublimit is inclusive of supplementary payments, including defence costs
  • Annual premium – $250 for the Small Firm program; ranging from $250 to $1,100 (for a maximum of 50 employees) for other firms (Surcharges will apply for U.S. employees and/or past employment-related claims or potential claims)
  • Territory – identical to the policy to which the endorsement is attached

  • The terms and conditions of coverage are detailed in the Employment Practices Wrongful Act Liability Endorsement
  • “Employee” defined: The endorsement contains a definition of the term “employee”
  • “Exclusions” defined: The endorsement also details the exclusions that apply to this coverage

For standard submissions, please complete the form below that’s relevant to your current coverage:

Employment Practices Wrongful Act Liability Claims Verification Form (Professional Liability Insurance for Architects & Engineers)

Employment Practices Wrongful Act Liability Claims Verification Form (Errors & Omissions Insurance)

Once completed, please send it to submitapps.ca@victorinsurance.com

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Claims

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Claims examples

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Browse our products

Our products and programs are all listed below.

Architects & Engineers Professional Liability

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Commercial Property Insurance

Commercial Property insurance protects a business’ most valuable physical assets – such as buildings, equipment and computers – against loss or damage from a range of causes, including theft, fire or vandalism.

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Commercial Umbrella Liability

Commercial Umbrella Liability coverage provides effective protection against large losses and potential coverage gaps for a range of exposures.

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The number of risks builders face in their daily work is vast. That's why we offer various construction insurance policies (like Builders Risk, Wrap-Up Liability and CGL for Contractors) to protect both the construction project and the team involved.

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Crime insurance provides valuable protection against workplace fraud and theft.

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Cyber Insurance

Cyber risk is a threat to companies of all sizes. Make sure your business is future-proofed with our cutting-edge coverage.

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Directors & Officers Liability

We offer a comprehensive range of D&O products – with a number of unique coverage advantages, including first dollar defence and a duty to defend.

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Employment Practices Liability

From wrongful dismissal to discrimination, this coverage protects employers from wrongful acts claims made against them by their employees.

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Environmental & Pollution Liability

Safeguard your client's business and provide protection for allegations of pollution liability, CGL exposures, errors, omissions or negligent acts, whether or not they have merit.

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Errors & Omissions

We have more than 40 years of experience in offering E&O insurance to associations and affinity groups, as well as individuals in a diverse range of professions – from ambulance operators to zoologists and everything in between.

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Fiduciary Liability

Fiduciary Liability insurance provides coverage for the fiduciaries, directors and the corporate entity against potential liabilities, which may arise from the mismanagement of an employee benefit plan.

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Technology Insurance

Designed to address the specific exposures of professionals in this industry, from hardware manufacturers to professionals in multimedia companies or small IT firms. It also protects against the threat of intellectual property disputes, such as copyright or trademark infringement.

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