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AI Risk
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AI Risk
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Miscellaneous Professional Liability

Key Risk Groups:

Current ProgramConnect Products: Insurance agents and brokers, real estate agents and brokers, employment agencies, executive recruiters, search firms, temp and temp-to-hire firms, medical billing service firms, claims adjusters, examiners, mortgage brokers, answering services/alarm monitoring companies, convention/tradeshow arrangement service providers, court recorders/stenographers, information retrieval services, interior designers/decorators/space planners (non-structural), land surveyors, management consulting of market appraisal and feasibility studies, marketing consultants/researchers, mailing service providers, medical information service providers, notaries, paging services, printers/printing firms (non-financial), public relations firms/consultants, publishers, telemarketing firms, non-medical testing labs, other non-financial consultants, travel agents.

Overview of the Program from AI Risk:
AI Risk offers a flexible and comprehensive Miscellaneous Professional Liability program designed specifically for professionals who fall outside traditional categories. With access to AIG as the carrier and availability in all 50 states, this program is ideal for agents and brokers looking to place specialized risks with confidence. Whether your clients are consultants, service providers, or niche professionals, AI Risk understands the unique exposures they face and offers tailored solutions to meet their needs.

Ideal Accounts and Appetite:
This program targets a wide range of professional service providers, including but not limited to:
  • Insurance and real estate agents/brokers
  • Employment agencies, executive recruiters, temp and staffing firms
  • Medical billing services and claims adjusters
  • Mortgage brokers and financial document processors (non-investment related)
  • Interior designers (non-structural), marketing consultants, public relations firms
  • Notaries, telemarketing firms, publishers, and mailing services
You might have a client operating a niche marketing consultancy or a convention planning company—both are excellent fits for this program.

Coverage Highlights and Advantages:
  • Miscellaneous Professional Liability written on a “claims-made” basis
  • Coverage tailored with class-specific endorsements and amendments
  • First-dollar defense available for P&C insurance agents and brokers
  • Defense costs are outside the limits of liability
  • Separate limit available for disciplinary proceedings
  • Coverage extends to services rendered over the internet
This flexibility allows agents to meet the evolving risk profile of modern service businesses.

Underwriting Notes and Minimum Premiums:
Minimum premiums typically start at $2,500, but may vary depending on state regulations, selected limits, and the classification of risk. AI Risk uses a class-based underwriting approach to assess and tailor the policy for each insured.

Territories and Availability:
This program is available in all 50 states and Washington, DC, providing national access for your clients. Whether you write business in California, Texas, New York, or anywhere in between, AI Risk can support your placement needs.

Why Work With AI Risk on This Business:
As a Managing General Agency and Carrier, AI Risk combines underwriting expertise with direct market access to AIG. Their deep understanding of professional liability exposures in non-traditional classes makes them a valuable partner for agents and brokers seeking a reliable market for hard-to-place risks. With broad appetite, flexible coverage terms, and national availability, AI Risk helps you deliver quality solutions for your clients.

Frequently Asked Questions

What types of accounts are a good fit for AI Risk’s Miscellaneous Professional Liability program?

This program is ideal for non-traditional professional service providers such as consultants, marketing firms, temp agencies, interior designers (non-structural), and real estate or insurance agents.

Is this program available nationwide?

Yes, the Miscellaneous Professional Liability program from AI Risk is available in all 50 states and Washington, DC.

What is the minimum premium for this program?

The minimum premium typically starts at $2,500, depending on the state, class of risk, and selected coverage limits.

Does the coverage include defense costs?

Yes, defense costs are in addition to the limits of liability. First-dollar defense is also available for P&C insurance agents and brokers.

Can this program cover services provided online?

Yes, the policy includes coverage for professional services rendered over the internet, a key benefit for modern service firms.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

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APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

Please call the Middle Market Program Manager in your area.
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