Miscellaneous Professional Liability
In an increasingly litigious world, businesses can face claims simply for doing their job. MPL insurance can help protect against financial loss and help pay expenses in the event someone makes a claim against their business.
MPL Coverage Highlights
- Automatic coverage for acquired subsidiaries
- Claims-made and reported coverage
- Coverage for independent contractors
- Disciplinary proceedings
- Duty to defend contract
- Personal injury, including emotional distress
- Punitive damages
- Tailored definition of professional services
- 80/20 hammer clause
Up to
$5M
In limits
Up to
$25M
In revenue
MPL Appetite
At-Bay provides instant quotes up to $2 million in limits ($5 million with underwriter review) to businesses up to $25 million in revenue across more than 50 diverse business classes.
State restrictions apply. Please see MPL Appetite Guide for eligibility requirements.
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Frequently Asked Questions About MPL
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What is MPL insurance?
Miscellaneous Professional Liability insurance protects businesses from financial loss in the event a client files a lawsuit alleging an act, error, omission, negligence, or breach of duty in the professional services provided.
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Is MPL insurance right for my business?
MPL insurance is designed to protect businesses that perform professional services, which aren’t typically covered by general liability insurance.
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Why is MPL insurance necessary?
Mistakes happen, and in an increasingly litigious world, your success often depends on meeting client expectations. Even if you’re not at fault, an unsatisfied client may claim your service fell short of expectations, which can result in a lawsuit that damages your reputation and your bottom line. MPL insurance ensures your business is protected with the proper coverage.
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What does MPL insurance cover?
MPL insurance typically protects your business against claims of negligence from clients, which can result in a lawsuit. Common MPL coverages include mistakes or negligence, copyright infringement, independent contractors, personal injury, and legal defense costs.
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