What is Miscellaneous Professional Liability insurance?

Miscellaneous Professional Liability (MPL) insurance protects professionals from claims of negligence, errors, or omissions that occur while providing services.

Who should consider MPL coverage?

MPL coverage is ideal for consultants, contractors, agents, educators, and other professionals offering specialized services.

Can General Liability coverage be added?

Yes. Many professional classes are eligible to include General Liability coverage alongside MPL protection.

Safeguarding the Experts Behind Every Industry

Q: What makes Novatae’s MPL program unique?

Novatae’s MPL program offers coverage for 800+ professional classes, nationwide access, and in-house underwriting for fast, customized solutions.

Q: How does Novatae support retail brokers?

As a wholesale broker and MGA, Novatae offers underwriting authority, market access, and program flexibility to help brokers secure the best coverage for clients.

Miscellaneous Professional Liability Insurance (Errors & Omissions)

Today's professionals operate in a world of increasing expectations, rapid change, and evolving client demands. From consultants and contractors to service specialists, even the most diligent experts face the risk of claims tied to errors, omissions, or perceived failures in their professional duties.

Novatae's Miscellaneous Professional Liability (MPL) insurance provides flexible, broad coverage tailored to diverse professions. Designed for retail brokers serving clients across multiple sectors, our MPL program combines competitive pricing, nationwide access, and in-house underwriting expertise for a seamless experience.

Program Highlights

Coverage for 800+ eligible professional classes
Nationwide availability across all 50 states
Minimum premiums from $350, offering accessibility and affordability
Multiple deductible options to fit varied client needs
Ability to add General Liability coverage for select classes
Streamlined in-house underwriting for faster quote-to-bind turnaround

POLICY FEATURES

Broad Named Insured definition to encompass a range of professional exposures
Designed for businesses up to $5 million in annual revenue
TRIA coverage included at no additional cost
Independent Contractor Coverage, reflecting modern work arrangements
Extended Reporting Period (ERP) options available for up to 5 years
Court Attendance Cost Coverage for legal expense support
Duty to Defend provision ensuring strong, responsive legal backing
Insolvency Coverage to protect against financial instability risks

Target Classes

Insurance agents and brokers
Real estate professionals
Construction managers
Alarm installation and monitoring specialists
Business and management consultants
Claims adjusters
Excavation and site services
Expert witnesses
Tutors and academic professionals
Moving and logistics service providers
Dietitians and nutritionists
Equestrian service operators
Event planners and consultants
Janitorial and cleaning businesses
...and hundreds of additional professional classes

FAQs for Miscellaneous Professional Liability Insurance

What is Miscellaneous Professional Liability (MPL) insurance?

MPL insurance protects service-based professionals from claims of negligence, errors and/or omissions (E&O) made during the course of their work.

Who should consider MPL (E&O) coverage?

Any business or individual offering professional services, such as consultants, agents, contractors, or educators, should consider an E&O policy.

What makes Novatae's MPL program unique?

Our wholesale expertise, underwriting authority, and access to A-rated carriers allow brokers to offer flexible coverage across more than 800 professional classes.

Is General Liability available under this program?

Yes, many classes are eligible for optional General Liability coverage in addition to MPL protection.

How does Novatae support retail brokers?

We deliver responsive underwriting, quick quoting, and comprehensive solutions, helping brokers serve clients confidently and efficiently nationwide.

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Why Partner with Novatae?

Wholesale and MGA authority in professional liability coverage
Access to A-rated carriers offering nationwide protection
Customizable programs built around diverse professional exposures
Fast, in-house underwriting to streamline broker operations
A dedicated team focused on helping retail partners protect the professionals who keep business moving

Novatae's Miscellaneous Professional Liability Program empowers brokers to deliver comprehensive, affordable, and expertly tailored protection, ensuring clients across all industries stay safeguarded from unexpected professional risks.