Miscellaneous Professional Liability

E&O Insurance for Professional Services

Service providers in virtually any field are at risk of being sued. Without proper insurance coverage, attorney fees and other legal costs are an expense that the majority of businesses cannot afford to bear. To safeguard against these losses, Crum & Forster offers Miscellaneous Professional Liability Insurance (MPL).

Our MPL policy is designed specifically to address the errors and omissions (E&O) exposures and related risks that providers of professional services face in the course of doing business. Our extensive experience and our skill in tailoring coverage for our clients’ needs make us a key market for Professional Liability Insurance throughout the U.S.

To learn more, download our MPL product sheet or email [email protected].

MPL Insurance – Target Classes

We offer Professional Liability Insurance for a broad array of service providers, including:

  • Administrative services / billing services / medical billing support services
  • Advertising / marketing / public relations agencies
  • Benefit plan consultants
  • Claims adjusters and related services
  • Forensic services / investigators / reverse engineers
  • Franchisors
  • Management consultants
  • Monitoring services (non-emergency)
  • Property managers
  • Staffing services
  • Third party administrators
  • Trustees

Coverage is available for these professionals and more, and we also manuscript solutions. For details, see our MPL product sheet or email [email protected].

MPL Insurance – Policy Highlights


  • Non-cancelable, except for non-payment of premium
  • Final adjudication wording
  • Mediation deductible credit of 50%
  • Personal injury coverage
  • Bilateral extended reporting period (ERP)
  • Worldwide coverage (claims brought in the U.S.)
  • Claims-made and reported form
  • Spouse and domestic partner coverage
  • Duty to defend wording
  • Punitive damages (where allowed) – most favorable venue
  • Options for aggregate deductible, manuscript solutions for complex risks, multiyear extended reporting period and independent contractors


  • Simple one-page, follow-form policy


  • $5,000,000 (Admitted) Primary or Excess
  • Admitted and non-admitted policies available
  • Minimum premium: $5,000
  • Minimum deductible: $5,000

For additional information, see our MPL product sheet or email [email protected].

This overview is provided for informational purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms and limitations are defined and provided for in the policy. Surplus lines products are available in California only through Crum & Forster Insurance Brokers, Inc., a licensed surplus lines broker (CA license #0E14610).