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Management Liability
Private Companies & Non-Profit Organizations

Miscellaneous Professional Liability

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Miscellaneous Professional Liability (MPL) covers generic professional liability for a variety of professional service providers.  MPL provides coverage for negligence in the performance of services for a fee where a reasonable standard of care is expected. 

Policy Features

  • Duty to Defend
  • Claims Made and Reported form
  • Pay on behalf of wording
  • Prior Acts Coverage available to qualified insureds
  • Covers wrongful acts anywhere in the world, suits to be brought in U.S., its territories or possessions, or Canada
  • Definition of Insured includes the entity, directors, officers, partners or members of the board of managers of the Named Insured, employees (including part-time, seasonal, temporary and leased)
  • Defense coverage for Disciplinary Proceeding up to a $10,000 policy period maximum outside of the retention without reduction in the limit of liability
  • Extended Reporting Period (multi-year periods available)
  • 30 days to purchase the Extended Reporting Period
  • Bi-lateral discovery option
  • Optional coverage for independent and sub-contractors
  • Severability of exclusions
  • Spousal extension
  • Loss includes punitive damages where insurable under law
  • Defense coverage for allegations of intentional, dishonest or fraudulent acts until such misconduct is established in fact 
  • Automatic coverage for new subsidiaries with revenue up to 25% of Insured’s revenues

New Business MPL Submission Checklist

  • Completed and signed Application***
  • Supplemental Application if applicable***
  • Resumes of key personnel, principals, partners, officers and professional employees***
  • Standard written contracts used for all professional services (including indemnity agreements) or engagement/proposal letter***
  • Latest financial statements past two years***
  • Advertising booklets and brochures
  • Standard written specifications for professional services
  • Quality control manuals
  • Training program for professional employees
  • Copy of past project logs, where applicable
  • Photocopies of all educational certificates and licenses
  • Sample reports given to clients or summary of the same, if applicable
  • Copy of current MPL policy and declarations page
    *** Minimum information necessary to offer quote