Miscellaneous Professional Liability Insurance

Overview of the Program From OnPoint Underwriting

As a dedicated Program Administrator, OnPoint Underwriting partners with various carriers to deliver competitive and responsive coverage solutions. Our Miscellaneous Professional Liability program is available in all 50 states plus the District of Columbia, offering access to both admitted and non-admitted markets. Whether you’re placing a solo consultant or a mid-sized professional services firm, our team provides underwriting expertise and market access to help you secure the right coverage for your client.

Ideal Accounts and Appetite

This program is ideal for a broad spectrum of professionals and service-based businesses that face exposure to claims of errors, omissions, or negligence. Common classes include:

• Management and business consultants
• Marketing, advertising, and public relations firms
• Event planners and hospitality consultants
• Interior designers and decorators
• Translators and interpreters
• Employment agencies and staffing firms

You might have a client who runs a small digital marketing agency or a niche business consultancy—this program is designed to accommodate those types of risks. We can also consider independent contractors and part-time professionals, which makes this a versatile option for your diverse client base.

Coverage Highlights and Advantages

Program Highlights:

• Punitive and exemplary damage coverage (where legally permitted)
• “Insured” includes independent contractors

Coverage is designed to protect against claims resulting from professional services rendered, including defense costs, settlements, and judgments. The inclusion of independent contractors helps you cover 1099-based service providers, which is especially helpful in today’s gig and freelance economy.

Underwriting Notes and Minimum Premiums

There is no set minimum premium, allowing flexibility for smaller or emerging businesses. Our underwriting team evaluates each risk individually and works closely with agents to craft solutions that balance affordability and protection. We welcome submissions with complete applications and supporting documentation to help expedite the quoting process.

Territories and Availability

This program is available nationwide, including all U.S. states and the District of Columbia: from California and Texas to New York and Florida. Whether your client is based in a major metro area or a smaller regional market, OnPoint Underwriting can help you find viable coverage options.

Why Work With OnPoint Underwriting on This Business

At OnPoint Underwriting, we bring deep expertise in professional liability and a commitment to responsive service. Our access to multiple markets and our ability to tailor solutions for hard-to-place risks makes us a valuable partner for agents and brokers. We understand the challenges you face in finding the right fit for non-standard E&O clients—and we’re here to help you place that business with confidence.

For additional information on the Miscellaneous Professional Liability Insurance program, please contact Leaticia Roberts at (404) 460-1372 or [email protected]. You can also visit our website at www.onpointunderwriting.com.

Frequently Asked Questions

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