Overview of the Program from America's Internet Brokers, Inc.
America's Internet Brokers, Inc. offers a Miscellaneous Professional Liability (MPL) program placed with AIG to help agents place professional liability coverage for a broad range of non-technical service firms. This program is intended for businesses that provide advice, information or administrative services rather than licensed medical or structural-design services. Coverage is written on non-admitted paper and is available in the states listed below.
Ideal accounts and target classes
The program is a fit for small to mid-sized professional service firms where the primary exposure is alleged errors & omissions, failure to perform, or negligent misrepresentation rather than property or heavy bodily-injury exposures. Typical classes include:
- 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
Accounts that rely on professional knowledge, documentation, or client communication rather than hands-on installation or medical care are best suited to this program. The program is not intended for firms that perform structural engineering, provide direct patient medical services, act as investment advisors, or otherwise carry high-risk operational exposures without separate coverage.
Coverage highlights and advantages
- Professional liability wording tailored for miscellaneous service providers—focus on E&O and failure-to-perform allegations.
- Access to AIG capacity for stable paper and broad form options where available.
- Flexible limits and deductible options (underwriting dependent).
- Streamlined eligibility for common small business professional classes—helpful for brokers placing multiple small accounts.
Underwriting notes and submission requirements
America's Internet Brokers, Inc. requires loss runs prior to binding. Most billings are on a direct bill basis to your insured by the carrier.
When submitting, include a completed application, current loss runs, and a summary of services performed by the insured. Prior claims, contract language, or circumstances that suggest professional exposure outside the listed classes may require additional review or result in declination.
Territories and availability
This program is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Availability is subject to state filing rules and carrier appetite.
Example accounts
- You might have a client who runs a regional marketing research firm that provides reports and recommendations to retail chains. They have limited property exposure and want protection from allegations of negligent research or incorrect forecasting—this program is a fit.
- Another good example is a small public relations agency that drafts press materials and offers strategic communications advice. Their primary risk is reputational or financial loss resulting from alleged errors in advice or materials produced.
Why work with America's Internet Brokers, Inc. on MPL business
- Direct access to AIG capacity for many miscellaneous professional classes.
- Underwriting tailored for non-technical, advisory, and administrative service firms.
- Clear submission expectations—loss runs required prior to binding—so you get faster, cleaner placement decisions.
Frequently Asked Questions
What types of accounts are a good fit for this MPL program?
Small to mid-sized professional service firms whose primary exposure is errors & omissions or failure to perform—examples include marketing consultants, PR firms, publishers, mailing services, notaries, and other classes listed above.
What underwriting information is required before binding?
America's Internet Brokers, Inc. requires current loss runs prior to binding. Include a completed application and a clear description of services provided. Additional documentation may be requested for accounts with prior claims or unusual exposures.
Is the program admitted or non-admitted, and where is it available?
The program is placed on non-admitted paper and is available in the states listed in the storefront. Availability can change by state, so confirm on submission.
How are policies billed and how will my insured receive invoices?
Most billings are on a direct bill basis to your insured by the carrier. Confirm billing preferences during quote/submission to avoid surprises for the client.
Need help placing an account? Connect with a market specialist.