Business owners experience evolving risks when providing professional services to clients. MPS will assist in mitigating exposure to defending, investigating, and settling costly and sometimes frivolous litigation head-on.

What we cover:

  • Negligence performance of services
  • Acts, Errors or Omissions in performing services to clients  
  • Personal injury, including libel, slander, defamation and invasion of privacy
  • We provide defense costs and indemnity payments

What we write:

  • Available in 51 jurisdictions
  • Up to $150M in revenue  
  • Over 320 classes of business
  • Primary or Excess
  • Contract Specific Policies
  • 6-Year Run-off Policies
  • Up to $5M Capacity

Why buy MPS coverage?

  • Cost of defending corporate lawsuits is steadily increasing daily and may exceed the net worth of most companies
  • Errors and omissions allegations can cause irreparable harm to a company’s reputation
  • A commercial general liability policy is not enough to cover all errors and omissions allegations
  • In today’s economy, new clients frequently require Service Providers to have Companies will have a difficult time attracting new clients without MPS coverage

Applications

Applications

Understanding coverage
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E-Risk's BAM® product for Miscellaneous Professional Services liability policy has numerous cutting-edge coverage features to address the evolving risk challenges that business owners experience when providing services to their clients. Our new policy is very broad in coverage and allows you the flexibility to address these exposures and challenges head on. Below are just some of the Coverage Highlights. 

  • Duty to Defend form 
  • Broad Allocation provision with 100% Defense Costs allocation 
  • Final Adjudication for Fraud with Severability 
  • Contingent BI/PD available 
  • Full Prior Acts available 
  • Defense Outside the Limit available 
  • No Consent to Settle Clause 
  • Coverage non-cancellable except for non-payment of premium 
  • True Worldwide Coverage 
  • Punitive Damages Coverage including most favorable venue 
  • Waive of Subrogation in most situations 
  • Industry Broad Definitions of Claim, Insured, and Subsidiary 
  • Added coverage for expenses incurred to attend a hearing, trial or mediation at the Insurer’s request. Coverage is $500 per day, subject to an aggregate amount of $5,000 (in addition to the limits of liability) 
  • Coverage for common ownership of less than or equal to 15% 
  • Automatic ninety (90) day discovery period 
  • Bilateral discovery clause with ninety (90) day election period 
Target classes

Including but not limited to: 

  • Advertising / Media - Ad Agencies, Marketing Consultants, PR firms  
  • Allied Health - Medical Directors, IMEs, etc (No direct patient care)  
  • Business Services - Appraisers, Messenger Services, Interior Design  
  • Consulting Services - Financial Cons, Management Cons, HR Consultants, etc  
  • Counselor Services - Executive Coach, Life Coach, health educators, etc  
  • Education Services - Education Advisor, Educational Testing, etc.  
  • Employment Services - Employment Agent, HR Consultant, Executive Recruiter  
  • Financial Services - Bankruptcy Advisors, Bookkeepers, Business Manager  
  • Insurance Services - Claim Adjuster, Insurance Consultant, Expert Witness  
  • Legal Services - Legal Consultants, Paralegals, Law Firm Administrators  
  • Real Estate - Property Managers, Land Use Planners, Flood Zone Consultants  
  • Travel / Entertainment / Recreation - Travel Agents, Meeting Planner, Event Planners 
View full list of target classes here 
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Claims examples

Each claim is unique and requires a review of your policy terms and conditions, but you can learn more about past claim scenarios for many of our product offerings to understand potential outcomes.

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