Errors & Omissions Insurance

Miscellaneous Errors & Omissions

The flexibility of our unique Miscellaneous Errors and Omissions (E&O) insurance permits us to underwrite a diverse range of both individual, one-off and specialized risks, while adapting coverage to accommodate virtually all special requirements. Our comprehensive coverage protects professionals against allegations of errors, omissions and negligent acts.

Eligibility

The following list provides an indication of the wide variety of professionals and organizations we have insured for E&O insurance:

• Aerial mappers
• Architectural/Engineering technicians and technologists
• Cabling designers
• Geologists
• Graphic artists
• Insurance adjusters
• Interior designers
• Laboratories (non-medical)
• Management consultants
• Market researchers
• Marketing/Advertising consultants
• Media/Communications consultants
• Non-destructive testers
• Occupational health and safety consultants
• Printers
• Private investigators
• Publishers
• Quantity surveyors
• Safety code officers
• Translators
• Urban planners

Coverage Details

• Policy Form – Claims-made and reported
• Policy Period – Annual and multi-year policies
• Capacity – Limits up to $5,000,000 with higher limits available upon request
• Territory – Coverage for claims made anywhere in the world, with duty to defend in Canada and the United States of America

Policy Features

• First dollar defence coverage (deductible does not apply to defence costs)
• Split damages deductible
• Loss of earnings coverage for an insured when requested to attend discoveries, mediation and/ or trial as part of the defence of a claim (subject to applicable sublimit)

Additional Policy Features for Small Firms

• Coverage is available for small firms with annual revenues of less than $2,000,000 that are claims free.
• Maximum limit of $2,000,000.
• Defence costs are excess of the limit
• Zero dollar deductible

Additional Coverages Available

• Employment practices wrongful act liability coverage endorsement available for firms with less than 50 employees

Submission Requirements

• A completed profession-specific Victor E&O application form (see list below) or a completed generic Victor Errors and Omissions Insurance application form

Profession-specific applications:

• Engineering and architectural technicians and technologists
• Design-builders/Design services/Interior designers/Design project managers
• Printers
• Publishers
• Publishers and printers
• Quantity surveyors
• Urban Planners