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.
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
$10M capacity on primary or excess basis
- 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
Key Contacts
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.
Related products
Package MPL with the following products: General Liability, Cyber, Crime, and Technology.
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