Employer Liability Insurance

WSIB isn't the whole answer. This covers the rest.

WSIB handles workplace injury compensation for covered workers — but employment liability extends further: claims from workers outside WSIB coverage, and the employment-practices claims (wrongful dismissal, harassment, discrimination) that WSIB never touched.

We arrange employers' liability and employment practices liability (EPL) so the people side of your business is covered from both directions.

What's covered

Employers' liability for injury claims outside WSIB's bar
Wrongful dismissal claims and defence
Harassment and discrimination allegations
Constructive dismissal and retaliation claims
Defence costs from the first demand letter
Third-party EPL for claims by customers against your staff conduct

Good to know

Frequently asked questions

I pay WSIB — why would I need more employment coverage?: WSIB bars injury lawsuits from covered workers, but not wrongful dismissal, harassment, or discrimination claims — the most common employment actions against small businesses. Those need EPL, which is separate from everything WSIB does.
What does a wrongful dismissal claim actually cost?: Defence plus settlement routinely reaches tens of thousands even for small employers — notice-period disputes are fact-heavy and slow. EPL funds the defence and the outcome.
Are contractors and volunteers covered anywhere?: They're generally outside WSIB, which is exactly why employers' liability matters — injury claims from non-covered workers come straight at the business. Declare your real workforce mix and we'll cover it accordingly.

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What's covered

Employers' liability for injury claims outside WSIB's bar

Wrongful dismissal claims and defence

Harassment and discrimination allegations

Constructive dismissal and retaliation claims

Defence costs from the first demand letter

Third-party EPL for claims by customers against your staff conduct

Frequently asked questions

I pay WSIB — why would I need more employment coverage?

WSIB bars injury lawsuits from covered workers, but not wrongful dismissal, harassment, or discrimination claims — the most common employment actions against small businesses. Those need EPL, which is separate from everything WSIB does.

What does a wrongful dismissal claim actually cost?

Defence plus settlement routinely reaches tens of thousands even for small employers — notice-period disputes are fact-heavy and slow. EPL funds the defence and the outcome.

Are contractors and volunteers covered anywhere?

They're generally outside WSIB, which is exactly why employers' liability matters — injury claims from non-covered workers come straight at the business. Declare your real workforce mix and we'll cover it accordingly.