Employment Practices Liability

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The Employment Practices Liability (EPL) policy complements Victor’s other insurance policies and features broad coverage in an easy-to-understand policy wording. The policy was designed with straight-forward language on a suits-in-Canada-only basis. In addition, Victor can address the needs of companies with moderate U.S. and foreign exposure by endorsing the policy to expand the coverage to a worldwide format.


The EPL policy is designed for both private and publicly traded companies as a stand-alone coverage. The following provides a sample of businesses that are eligible for this insurance:

  • Retail
  • Professional services
  • Technology
  • Crown corporations
  • Health care
  • Financial
  • Media
  • Industrial

Coverage Details

  • Policy Form – Claims-made and reported
  • Policy Period – Annual and two-year policies
  • Capacity – Limits from $250,000 to $10,000,000
  • Territory – Suits brought in Canada only (worldwide coverage available by endorsement)

Policy Features

  • Right and duty to defend any claim for monetary or non-monetary relief
  • Clear pay on behalf language. Simple easy-to-read policy
  • Zero deductibles for qualifying risks
  • Full entity coverage

Submission Requirements