Miscellaneous Professional Insurance

Our Miscellaneous Professional Markets are well‐equipped to handle the complex insurance needs of this segment. Coverage is offered on a duty to defend policy form with flexible limit options. Our Markets are rated "A+" (Strong) by Standard & Poor and "A++" (Superior) by A.M. Best – admitted and surplus lines capability. 

This miscellaneous professional liability program/policy is designed to provide comprehensive coverage for a wide variety of professional service industries. Professional liability insurance can mitigate the risk of high-liability and high-visibility lawsuits, helping to keep your budget and your reputation intact.

Coverage is offered on a duty to defend policy form with flexible limit options.  Our product is designed for professional service firms with up to $250 million in revenues. Limit of liability up to $5 million / $5 million is available for qualified risks, with minimum deductibles of $1,000.

Miscellaneous Professional Liability Highlights:

• Pre-Claims Assistance Hotline included.

• Public Relations Expense coverage

• Disciplinary Proceedings coverage

• Subpoena Response coverage

• Expense Reimbursement coverage

• Personal Injury coverage

• Modified Consent to Settle Clause

• Definition of Insured includes contract, temporary and leased personnel

• Definition of Loss includes punitive damages, with most favorable venue Definition of Claim includes non-monetary relief

• Aggregate Deductible clause of three (3) times the Policy deductible included automatically

• Mediation provision to reduce the Policy deductible

• Automatic 60-day extended reporting period

Some Sample Target Classes:

Analytical Testing Labs, Billing Services, Bookkeepers, Business Services, Claims Adjustors, Collection Agents, Consultants, Customs Brokers, Employee Benefits Consultants, Environmental Consultants, Executive Recruiters/Employment Agencies, HR Consultants, Insurance Consultants, Interim Managers, Lobbyists, Medical Billing Services, M&A Consultants, Public Relations Consultants, Talent Agents, TPA’s, Travel Agencies, Trustees, Turnaround Management

Cyber Liability Enhancement:

Now you can add up to $1million in Cyber Liability coverage to be packaged with our Miscellaneous Professional product for a wide variety of classes. This enhancement includes coverage for both First and Third-Party exposures, including but not limited to:

• Network Security Liability

• Media and Advertising Liability

• PCI Fines/Penalties

• Digital Asset protection

• Cyber Extortion

• Computer Crime and EFT Fraud