Core employer protections
Essential coverage for workplace liabilities
Modern organizations face evolving HR risks at every stage of the employment lifecycle. We help insulate Canadian businesses against costly legal defense fees, settlements, and tribunal proceedings.
Wrongful termination
Cover legal costs, settlements, and damages arising from allegations of improper discharge, breach of employment contract, or constructive dismissal.
Harassment & discrimination
Protect your organization against claims involving alleged sexual harassment, hostile work environments, or discrimination. Coverage extends to allegations based on age, gender, race, disability, or other protected grounds.
Third-party liability
Extend coverage to allegations brought against your employees by external clients, vendors, or suppliers.
Wage & hour defense
Safeguard against overtime disputes, meal break non-compliance, or worker misclassification.
Retaliation protection
Absorb legal costs and settlements if an employee alleges unfair treatment after reporting misconduct, including coverage against whistle-blower complaints.
The Navacord advantage
Strategic risk solutions for Canadian employers
As one of Canada’s leading independent brokerages, we help employers navigate workplace exposures with tailored management liability strategies.
Specialized underwriting access
We negotiate custom policy terms with premier commercial insurers specializing in executive risk.
Specialized underwriting access
We negotiate custom policy terms with premier commercial insurers specializing in executive risk.
Dedicated claims advocacy
Access immediate support from claims experts focused on resolving sensitive workplace disputes quickly and discreetly.
Risk mitigation resources
Access proactive risk tools, HR policy templates, and loss prevention resources to resolve workplace issues early and reduce claim frequency.
FAQs for employment practices liability
Directors & officers (D&O) insurance protects corporate leaders against shareholder lawsuits, financial mismanagement, and breaches of fiduciary duty. In contrast, EPLI specifically covers employment-related claims brought by current, former, or prospective employees, including wrongful dismissal, harassment, or discrimination.
Standard EPLI policies primarily cover claims made by full-time, part-time, and seasonal employees. However, third-party liability endorsements can often be added to cover allegations involving independent contractors, clients, vendors, or suppliers.
Wage and hour disputes (such as overtime or break non-compliance claims) are frequently subject to specific sub-limits or exclusions. Navacord can help negotiate tailored defense-cost sub-limits or endorsements to ensure your business has financial protection against these complex administrative claims.
Employers' Liability covers financial claims if an employee suffers a physical, work-related bodily injury or illness. In contrast, EPLI specifically protects against non-physical workplace disputes, such as wrongful dismissal, harassment, discrimination, and wage claims.
Yes. EPLI covers your legal defense costs, attorney fees, court costs, and settlements or judgments, regardless of whether the claim is proven groundless or fraudulent.
