© 2019 by Stateside Underwriting Agency

Miscellaneous E&O (often called Miscellaneous Professional Liability MPL) covers a broad range of professions that often do not have specific policy wordings available in the insurance marketplace.  SUA’s broad capability to serve nearly any professional need with insurance for a clients unique profession is just another example of our commitment to find solutions for our brokers and insureds.  We also serve the Insurance Agent and Independent Medical Examiners (IME) market with specific policy forms available for these classes.  See below more information on MPL, Insurance Agent E&O and IME E&O.

Insurance Agents & Brokers E&O

Coverage Type:                         Primary Coverage

Limits:                                        Up to $3MM/$3MM

Minimum Premium:                $1,500 ($2,000 in CA) – RECENTLY IMPROVED RATES!

Minimum Deductible:             $2,500

Commission:                             17.5% in program (open market commission may vary)

 

COVERAGE INCLUDES:

  • Right and Duty to Defend Wording

  • Regulatory and Administrative Actions Expense Reimbursement

  • Disciplinary Proceeding Reimbursement

  • Defendant’s Reimbursement

  • 30-Day Automatic Extended Reporting Period

  • Independent Contractors for Professional Services on Behalf of the Named Insured

  • Punitive Damages (where insurable by law)

  • Mediation deductible reduction (50%)

 

OPTIONAL ENHANCEMENTS:

  • 1st Dollar Defense

  • Aggregate Deductible (X3)

  • Claims Expense in Addition to the limit (1X per claim limit up to $1M max)

  • B+ Insolvency Exclusion Carve Back

  • 3-Year Bilateral ERP

  • 1ST Party Cyber Liability

  • Commercial General Liability (CGL)

 

APPETITE:  P&C and life/accident/health agents and brokers (no security sales coverage); Flexibility to modify the professional services definition (e.g. add PEO brokerage; PPO network administration); newly licensed agents; crop insurance agents.

 

 

MISC. PROFESSIONAL LIABILITY

 

 

Coverage Type:                       Primary Coverage

Limits:                                      Up to $2MM/$2MM

Minimum Premium:              $1,000* – RECENTLY IMPROVED RATES!

Minimum Deductible:           $1,000*

Commission:                          17.5% in program (open market commission may vary)

 

COVERAGE INCLUDES:

  • Right and Duty to Defend Wording

  • Regulatory and Administrative Actions Expense Reimbursement

  • Disciplinary Proceeding Reimbursement

  • Defendant’s Reimbursement

  • 30-Day Automatic Extended Reporting Period

  • Independent Contractors for Professional Services on Behalf of the Named Insured

  • Punitive Damages (where insurable by law)

  • Mediation deductible reduction (50%)

 

We have over 350 classes of business that we have in-house authority for: Here are just a few, some available with CGL:

 

Accounting, Tax Return Prep, Bookkeeping, & Payroll Services (CGL)

Adjustment Bureaus (CGL)

Administrative & Support Services (CGL)

Administrative Management & General Management Consulting Service (GL)

Administrator (CGL)

ADR (Arbitrators/Mediators) (CGL)

Advertising Agencies

Agricultural Consultant

Alarm Monitoring Services

Answering Service

Apprenticeship Training

Arborist

Benefit Plan Consultants (CGL)

Benefits Consulting (CGL)

Billing Services (CGL)

Biologists (CGL)

Bookkeeper (CGL

Business Broker C(GL)

Business Coach (CCGL

Business Manager (CGL)

Business Process Outsourcing

Business Support Services (CGL)

Business Transfer Agents (CGL)

Career Consultant (CGL)

Casting Agencies

Claims Adjusters (CGL)

Claims Administrators (CGL)

Claims Investigator

Commercial Photography

Compliance Consultant (CGL)

Composer/Lyricists

Concierge Service

Conservator/Guardian

Consumer Credit Reporting Agencies

Content Production

Corporate Entertainment Agents

Cost Consulting & Economic Review (CGL)

Cost Control Consultants (CGL)

County Clerk

Courier Service

Court Reporter (CGL)

CPU Manufacturing & Related

Credential Agency (CGL)

Credit Agency

Credit Bureaus (CGL)

Credit Counselor (CGL)

Custom House Broker

Direct Marketer

Directory Assistance (CGL)

Directory Publication (CGL)

Disaster Recovery Consultants (CGL)

Dispatch Service

Document Destruction

Due Diligence, Entitlement, Permitting & Project Management (CGL)

Economic, Industrial Planning, or Development Organization (CGL)

Editor

Education Counselor

Educational Consultants

Educational Support Services

Educational Testing and Evaluation Services

Educators

Employee Leasing Services

Employee Relations Consultants

Employee Screener

Employment Agencies

Employment Counselor

Environmental Consulting Services

Equipment Reseller

Event Planner

Event Specialist

Exam Preparation & Tutoring

Executive Search Firms

Executor (CGL)

Exhibit Designer (CGL – if no installation/fabrication)

Expert Witness (CGL)

Facilitator

Facilities Support Services

Fact Finder/Investigator

Foreclosure Agents

Forensic Investigator (CGL)

Franchisors

Freight Forwarder

General Business Consultant (CGL)

Graphic Designer (CGL)

Health Club Consultant

Health & Safety Consultants

Human Resource Consultant (CGL)

Human Resources & Executive Search Consulting Services

Human Resources & Personnel Management Consulting (CGL)

Independent Artists, Writers, & Performers

Independent Medical Examiner

Insurance Fraud Investigator

Insurance Recovery/Subrogation Consultant

Interior Decorators

Interior Design (Commercial) (CGL – no installation/fabrication)

Interpreter/Translator (CGL)

Investor Relations Consultant (CGL)

Labor Relations Consultant

Law Clerk

Lease Broker

Lighting Designer

Literary Agent

Litigation Support (CGL)

Loan Servicing

Locksmiths

Logistics Consultant (CGL)

Logistics Manager

Mailing Services

Management Consultant (CGL)

Marine Document Agent (CGL)

Market Research/Consulting (CGL)

Marketing Consultant (CGL)

Marketing Research & Public Opinion Polling

Mediator (CGL)

Meeting Planner (CGL)

Messenger Service

Nonresidential Property Managers

Notary (CGL)

Nutritionist

Office Administrative Services (CGL)

Organizational Behavior Consultant (CGL)

Organizational Consultant (CGL)

Payroll Service (CGL)

Peripheral Manufacturing

Personal Trainer

Photocopying & Duplicating Services

Photographic Services

Polygraph Operator

Power Supply Manufacturing

Premium Finance Agent (CGL)

Printers

Private Investigator

Process, Physical Distribution, & Logistics Consulting Services

Professional & Management Development Training (CGL)

Professional Organizations

Project Management (non-construction)

Promoters of Performing Arts, Sports, & Similar Events

Property Managers (Commercial)

Property Managers (Residential)

Public Policy Consultant (CGL)

Public Relations Firms (CGL)

Publishers

Recording Studios

Recreational Consultants

Recruiter

Relocation Consultant

Research & Development in the Social Sciences & Humanities

Research Service Provider (CGL)

Residential Property Managers

Safety Consultants/Inspectors

Secretarial Services (CGL)

Security Consulting & Monitoring

Sports & Recreation Instruction

Staffing Agencies

Storage Services

Tax Preparers (CGL)

Technical & Trade Schools

Telemarketing

Telephone Answering Services (CGL)

Temporary Help Placement Agent

Test Administrator

Testing Labs

Third Party Administrators (CGL)

Tour Operators

Training Consultant (CGL)

Transcription Services (CGL)

Translator/Interpreters (CGL)

Travel Agents

Tutor

Urban Planner (CGL)

Vacation Rentals

 

 

*Certain classes have higher minimum premiums and deductibles.