Hiscox PRO Miscellaneous Professional Liability

Hiscox PRO®

Miscellaneous Professional Liability

Hiscox PRO®

Miscellaneous
Professional
Liability

What is Miscellaneous Professional Liability?

Miscellaneous Professional Liability is professional liability coverage for a wide range of businesses. Hiscox offers competitive terms and conditions for targeted professions like associations, consultants, general business services, advertising/marketing services, employment agencies, third party administrators, and many more.

Appetite

Broad appetite servicing professionals and businesses requiring professional liability. Tailored coverage for industries such as: 

  • Accountants
  • Associations
  • Security services
  • Staffing services
  • Analytical testing labs
  • Trustees
  • Consultants
  • Real estate and property managers

Download Appetite Guide

Capacity

$10M capacity on primary or excess basis 

Coverage & Benefits
  • Defense of licensing proceedings and subpoena assistance – sub-limits included as coverage enhancements, outside of limits - defense outside of limits 
  • Punitive damages specifically included in definition of ‘damages’, where insurable by most favorable applicable jurisdiction, up to full limits 
  • Personal injury expanded to cover ‘personal and advertising injury’ 
  • Fraud exclusion with final adjudication and full severability for the individual insured and partial severability for the entity 
  • Payment of claimant/plaintiffs' attorney fees explicitly covered as ‘damages’ 
  • Supplemental payments of up to $250 per day, up to $10,000 per claim, outside of limits 
  • Express carve-back for covered liability that would exist in the absence of the contract, warranty or guarantee 
  • Subsidiaries acquired during policy period covered automatically 
  • ‘Wrongful Act’ no longer the key claim trigger 
  • Industry specific causes of exposures built into the insuring agreement 
     
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Tailored industry coverage

We make it easy for you to sell our products for key industries, ensuring all the coverage your client needs is available.

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Related products

Package MPL with the following products: General LiabilityCyberCrime, and Technology

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

Management consultant

A management consultant recommended a business restructuring strategy that caused its client to lose bottom line income. The claimant alleged that the consulting group designed and implemented flawed programs that provided erroneous market studies and business reports. Despite paying substantial fees and expenses to the consulting group to grow the business, the company saw its sales and profits drop.  

Management consultant

A management consultant recommended a business restructuring strategy that caused its client to lose bottom line income. The claimant alleged that the consulting group designed and implemented flawed programs that provided erroneous market studies and business reports. Despite paying substantial fees and expenses to the consulting group to grow the business, the company saw its sales and profits drop.  

Claims adjuster

A claims adjuster assisted a homeowner's insurance carrier with the adjustment of property damage claims arising from Hurricane Ike in Texas. The adjuster allegedly misrepresented the rights and benefits available under the policy relative to the related hurricane damage and a group of homeowners claimed damages for violations of Texas's Insurance Code and Deceptive Trade Practices Act.

Claims adjuster

A claims adjuster assisted a homeowner's insurance carrier with the adjustment of property damage claims arising from Hurricane Ike in Texas. The adjuster allegedly misrepresented the rights and benefits available under the policy relative to the related hurricane damage and a group of homeowners claimed damages for violations of Texas's Insurance Code and Deceptive Trade Practices Act.

Associations

A landlord alleges a breach of contract claim against an Association for using funds to lobby political views, rather than educating housing landlords like herself. The landlord was required to complete a training course, but alleges the Association never conducted the class. Instead, they diverted the cost of the course to a non-profit organization used to lobby for public housing. Five alleged counts were made against the Association, including civil rights violations and breach of contract. 

Associations

A landlord alleges a breach of contract claim against an Association for using funds to lobby political views, rather than educating housing landlords like herself. The landlord was required to complete a training course, but alleges the Association never conducted the class. Instead, they diverted the cost of the course to a non-profit organization used to lobby for public housing. Five alleged counts were made against the Association, including civil rights violations and breach of contract. 

Key contacts

Thomas Rea
VP, Product Head – PL
Hillary Harshman
Senior Claims Counsel - MPL

News and insights

We have a team of experts across the industry. Read their latest advice, find useful thought leadership, and discover industry news.

Visit the Hiscox Blog

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