Introduction

Canadian insurers and MGAs now offer modular “single‑form” packages that bundle management liability (D&O, EPL, fiduciary, crime) and technology E&O/cyber into configurable policies. This guide inventories the notable offerings available in Canada and provides a broker checklist to decide when a single, modular form makes sense versus coordinating a stack of separate policies.

Last updated: September 4, 2025

What “modular” means in practice

• One master policy with selectable coverage parts (e.g., D&O, EPL, Fiduciary, Crime, Cyber, Tech E&O), shared or separate limits, and harmonized terms/conditions.

• Advantages: reduced gaps/overlaps, fewer endorsements to reconcile, streamlined claims handling, potential premium efficiency.

• Trade‑offs: shared aggregates can erode faster; niche exposures may still need standalone towers or manuscripted terms.

At‑a‑glance: public modular offerings in Canada

Sources and details below.

Package snapshots and sources

Travelers Canada – Executive Choice (management liability)#

• Modular single policy for Canadian public companies with options for D&O, EPL, Fiduciary, Crime, Kidnap & Ransom, Cyber, and Identity Fraud; flexibility to share or separate limits and broad “Claim” definition; worldwide coverage. See the official Executive Choice page. citeturn4search0

Zurich Canada – Technology “Pro Plus” professional liability with cyber#

• Zurich Pro Plus combines Technology E&O, Media, and Security/Privacy (cyber) into one policy, with options like crisis management, eDiscovery, ADR incentives, and an automatic ERP; positioned within Zurich’s Middle Market Technology vertical. citeturn5search0turn5search1turn5search2

CFC – Canadian SME management liability and cyber add‑ons#

• CFC’s Canadian SME management liability solution is modular and adds features like executive reputation protection, broadened EPL, comprehensive crime, and personal‑capacity cyber for executives. citeturn6search2

• For professional services SMEs, CFC offers a packaged cyber add‑on embedded with proactive monitoring, incident response via the CFC Response app, and cybercrime cover. citeturn6search0turn6search4

Victor Canada – D&O and Technology/Cyber#

• Victor’s PrivatePlus provides a private‑company D&O form with modular protections (EPL, fiduciary, outside directorship, entity coverage), alongside a public‑company D&O option. citeturn8search1turn7search5

• Victor’s Technology, Cyber & Multimedia Liability program addresses IT/media E&O with complementary CGL options; Victor also offers a standalone Cyber policy with the Victor Response mobile app and complimentary cyber assessment for policyholders. citeturn7search3turn7search2turn7search4

When to choose a single‑form package vs. a coordinated stack

Use this broker checklist to align structure with risk profile, budget, and contracts.

Choose a single‑form modular package when#

• You want harmonized terms/definitions and fewer gaps across D&O/EPL/Fiduciary/Crime/Cyber/Tech E&O.

• A shared aggregate is acceptable given loss history and limit needs.

• Speed and administrative simplicity (one renewal, one claims pathway) are priorities.

• Contractual requirements don’t mandate separate policies or dedicated sub‑limits.

• The insured values embedded risk services (e.g., proactive cyber monitoring, response apps) that come with certain packages. citeturn6search0turn7search2

Choose a coordinated stack of separate policies when#

• Distinct limit towers are required (e.g., higher standalone D&O Side A, or dedicated tech E&O/cyber limits for enterprise contracts).

• Different markets offer best‑in‑class terms for specific lines (e.g., crime or fiduciary) and you want to cherry‑pick forms.

• Claims control, panel counsel, or defense outside limits varies by line and is strategically important.

• Aggregation concerns: you want to avoid a single event exhausting a shared aggregate across lines.

• Complex structure (subsidiaries, cross‑border ops, regulated entities) needs tailored manuscript wording per coverage.

How Summit can help

As an independent Canadian brokerage, Summit shops multiple carriers and MGAs to assemble the right package or stack for your risk, with dedicated account management and technology‑enabled service. Explore our hubs or speak with our team:

• Learn more about D&O on our Directors & Officers page. Directors & Officers Liability Insurance. citeturn2search0

• Compare cyber options and embedded services on our Cyber Liability Insurance page. citeturn3search0

• Prefer a human walkthrough? Contact Summit.

References (official product pages)

• Travelers Canada – Executive Choice (management liability). citeturn4search0

• Zurich Canada – Technology business insurance solutions (Zurich Pro Plus). citeturn5search0

• Zurich Canada – Middle Market Technology vertical overview (Pro Plus with cyber/media). citeturn5search1

• CFC – Management liability solution for Canadian SMEs. citeturn6search2

• CFC – Enhanced cyber add‑on for professional services SMEs. citeturn6search0

• Victor Canada – PrivatePlus D&O public‑company D&O. citeturn8search1turn7search5

• Victor Canada – Technology, Cyber & Multimedia Liability; Cyber Insurance. citeturn7search3turn7search2