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.  Further, approximately 67% of small and medium-sized companies have experienced a cyberattack.  If the company must suspend operations as a result of a cyberattack, it has only a 40% chance of reopening.  Small- and mid-size companies may opt to use their Miscellaneous Professional Liability (MPL) policy to respond to losses from a Cyberattack. This approach, however, can leave them without some of the special cyber coverages they may need.  To safeguard against these losses, Crum & Forster offers Miscellaneous Professional, Cyber, and Media Liability (MCM) form.

Our MCM form offers a more holistic approach and makes it easy to provide enhanced coverage for your clients because it combines coverage for your clients’ Miscellaneous E&O, Media Liability and, now, Cyber Liability exposures. Our end-to-end solution also includes closely coordinated claim management from our expert MPL and Cyber claim teams. This can eliminate issues of which policy should respond to a loss and allows us to manage claims more effectively.

To learn more, email [email protected]

MCM – 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)
  • Staffing services
  • Third-party administrators
  • Title Agencies

Coverage is available for these professionals and more, and we also manuscript solutions. For details, email [email protected]

MCM Insurance - Policy Highlights


  • Final adjudication wording
  • Bilateral extended reporting period (ERP)
  • Worldwide coverage
  • Claims made and reported (for MPL Coverage)
  • Spouse and domestic partner coverage
  • Duty to defend wording
  • Punitive Damage or any damages which are a multiple of the compensatory damages*1
  • First Party Cyber Coverage are on circumstances-discovered basis
  • Business Interruption including Systems Failure
  • Dependent Business Interruption Coverage
  • Ransomware/Malware coverage
  • Cyber Liability coverage including Payment Card Industry (PCI) liability and Regulatory Defense/Penalties coverage
  • eCrime/Social Engineering loss limit up to $250,000
  • Broad Cyber Breach Cost Coverage
    • Includes $0 retention for legal services after a Cyber Event*2,
    • Public Relations and Crisis Management Cost,
    • Notification Cost (includes costs incurred by the Insured Entity to directly notify on behalf of a third party)


• Simple one-page, follow-form policy


• $5,000,000 (Admitted) Primary or Excess
• Admitted and non-admitted policies available
• Minimum premium: $2,500
• Minimum deductible: $2,500

For additional information, email [email protected]


*1 to the extent permissible to be insured under applicable law
*2 when services are recommended by the C&F Cyber Response Team and the insured agrees to utilize vendors nominated by the C&F Cyber

Get 24/7 Access to Our Cyber Solutions Team

To help our customers prepare for and recover from a Cyberattack, we offer 24/7 access to the Crum & Forster Cyber Assistance Center.

The Center provides access to our Cyber Solutions Team, which includes:

  • CyberReady Call
  • Incident Response Plan Reviews and
  • Executive Tabletop Exercises

Additionally, Our team of cyber professionals are offering a complimentary cyber review well ahead of your 30-day insurance renewal period to help you put the right controls in place to obtain the best possible renewal terms.

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).