Commercial General Liability

CGL for Existing Policyholders

Victor’s Commercial General Liability (CGL) insurance for existing policyholders provides protection against a range of potential claims that may result from bodily injury, property damage, personal injury or advertising injury.

Eligibility

This coverage is available to most classes of ENCON’s policyholders, as a complement to their existing coverage, including:

• Professional liability or errors and omissions (E&O) insurance
• Non-profit directors and officers (D&O) liability insurance (where there is low to moderate CGL risk)
• Technology insurance for hardware manufacturers

Coverage Details

• Policy Form – Occurrence (claims-made for some classes)
• Policy Period – Concurrent with that of the firm’s professional liability or E&O policy
• Capacity –
  • Limits up to $25,000,000 with property damage deductibles starting at $500 (maximum limit available in Quebec is $20,000,000)
  • Limits up to $5,000,000 are available for policyholders in ENCON’s Small Firm Programs for Architects and Engineers, the Information Technology sector and ENCON’s CGL program
• Annual minimum premiums – Starting at $495 for a $1,000,000 limit
• Territory – Services anywhere in the world subject to suit first brought in Canada or the United States

Policy Features

• Victor utilizes the same pool of insurers who provide the professional liability or E&O insurance coverage; this reduces the risk that a gap in coverage may occur if two policies are placed with different insurers

Additional Coverages Available

• Non-owned automobile including S.E.F. 94, 96, 99
• Employer’s liability (bodily injury)
• Employee’s benefits errors and omissions
• Tenants’ legal liability
• Personal injury and advertising injury

Submission Requirements

• A completed Victor Commercial General Liability application form (Errors & Omissions Insurance)
• A completed Victor Commercial General Liability application form (Professional Liability Insurance for Architects & Engineers)
• A completed Victor Commercial General Liability application form (Directors & Officers Insurance in Non-Profit Organizations)