Employment Practices Liability Endorsement

Banner Image 1
Banner Image 2

Victor offers an optional Employment Practices Wrongful Act Liability coverage extension to protect professional liability policyholders against allegations of wrongdoing with respect to employment practices.


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

Coverage Details

  • 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

Policy Features

  • 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

Submission Requirements