Miscellaneous Professional Liability

Admitted Program - except: AK, FL, HI, LA, MA, ME, ND, RI, VT, WA & WY AM
AM Best Rating of A+(XV)

Quotes offer: Great range of professional classes. Underwriter can amend professional lines wording to make sure class of business is being addressed correctly. Definition of claim is written demand for monetary damages or non-monetary relief. Includes Regulatory and Administrative Proceedings.

First Dollar Defense
Additional Limit for Claims Expenses
Retention Credits Available
Triple Aggregate Retention Available
Coverage for Independent Contractors
Personal Injury
Puntive Damages where Insurable
Data Incident Response Expenses
Bodily Injury and Property Damage
Consent to Settle – 50/50 hammer clause
Pay on Behalf and Duty to Defend

Why do you need E & O from that is “Miscellaneous” form and not a “Specified” form?

Accountants, lawyers, insurance agents have unique exposures that elevate coverage needs just for their profession. Many businesses have unique services or products they offer. Consultants, bookkeepers, and even professional organizers can fail to provide a service to a customer. Providing services can result in the misunderstanding of the scope of work, or failing to meet a deadline, or just missing a critical piece of information that affected the outcome of your project. If you are charging fees, providing service contracts, or have a small business, you probably need coverage in the event your client alleges you made a mistake on their behalf. The truth is that a loss you caused can cost your business damages. The E & O Carrier can provide defense, pay damages and get you back to work instead of being tied up with your own lawyer trying to defend yourself. Offering over 200 classes of businesses – here is a wide array of classes: antique dealer, arborist, billing services, career coach services, corporate training, cleaning service, resume writing, proof reading, process server, fitness instructor, interior design, mailing service, film editing services…and the list goes on and on…

Miscellaneous Professional Liability App