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:
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Right and Duty to Defend Wording
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Regulatory and Administrative Actions Expense Reimbursement
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Disciplinary Proceeding Reimbursement
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Defendant’s Reimbursement
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30-Day Automatic Extended Reporting Period
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Independent Contractors for Professional Services on Behalf of the Named Insured
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Punitive Damages (where insurable by law)
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Mediation deductible reduction (50%)
OPTIONAL ENHANCEMENTS:
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1st Dollar Defense
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Aggregate Deductible (X3)
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Claims Expense in Addition to the limit (1X per claim limit up to $1M max)
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B+ Insolvency Exclusion Carve Back
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3-Year Bilateral ERP
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1ST Party Cyber Liability
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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.
For any general inquiries, please fill in the following contact form: