Overview — Program from Commercial Sector Insurance Brokers
This is a wholesale-broker placement for agents seeking Miscellaneous Professional Liability (E&O) solutions for small- to mid-sized professional service firms. The program focuses on professional liability risks where a client provides services for a fee or handles confidential client data and needs protection from claims that could otherwise result in costly litigation or settlements.
Ideal Accounts and Appetite
This program targets firms with annual revenues up to $15 million in the following general classes:
Typical fits include consultants, administrative service providers, real estate support firms, small financial services operations, and other professional support businesses that do not provide highly regulated or specialty professional services (e.g., primary physicians, large engineering firms, or large investment advisers with complex exposures).
Coverage Highlights and Advantages
Key features of the program include defense outside the limit, full prior acts, disciplinary proceeding coverage, and broader protections that address both first- and third-party exposures. Coverage highlights include:
These features make the program competitive for smaller professional accounts that need meaningful limits and modern policy wording without the administrative burden of multiple submissions.
Underwriting Notes and Submission Guidance
Underwriters focus on the services provided, revenue, claim history, and any contract language that could broaden exposure. Favorable accounts typically have clean claim histories, clear engagement letters or contracts, and strong controls around client data and subcontractor use.
Examples of accounts that commonly work well:
- A management services firm with $3 million in revenue that provides back-office and HR support to small businesses and wants prior acts and defense outside the limit.
- A small real estate advisory firm handling client consultations and transaction coordination with limited transactional authority and no professional licensing discipline history.
Accounts that usually do not fit include those with significant regulated professional exposures, large transactional fees that exceed the revenue guideline, or multiple pending professional liability claims.
Territories and Availability
Available through Commercial Sector Insurance Brokers across the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, DC, WV, WI, WY. The program is positioned for broad availability — confirm state-specific forms and filing requirements at submission.
Why Work With Commercial Sector Insurance Brokers
As a wholesale broker, Commercial Sector Insurance Brokers provides responsive underwriting, pragmatic placement solutions, and access to program capacity up to $5 million. Our underwriting team emphasizes practical problem-solving and can work with agents to structure appropriate limits, deductibles, and tailored extensions like disciplinary proceeding coverage and third-party discrimination protection.
If you have a professional services client who handles confidential data, provides fee-based advice, or executes client contracts, this program is worth considering as part of your placement strategy.
Our experienced team of underwriters focus on solving difficult problems with innovative solutions to meet your specific insurance needs.
At Commercial Sector Insurance Brokers WE’RE DIFFERENT and that’s good for you. Please reach out to us today to learn more about how the Miscellaneous Professional Liability program can protect your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small- to mid-sized professional service firms with revenues up to $15 million—such as management services, small financial services, educational services, legal support, real estate support, and personal services—are ideal. Firms with clean claim histories and clear client contracts typically place best.
What limits and pricing capacity are available?
The program can provide up to $5 million in limit capacity. The program notes a minimum premium of $995 and offers a $0 minimum deductible option; final pricing and deductibles depend on class, limits, and underwriting factors.
Does the policy include prior acts and defense inside or outside the limit?
Yes — the program offers full prior acts coverage and defense outside the limit as part of its standard features, subject to underwriting and policy terms.
Are disciplinary proceedings and punitive damages covered?
Disciplinary proceeding coverage is included. Punitive damages coverage is provided where insurable by applicable law and jurisdictional rules.
How should I submit an account for consideration?
Provide a completed application, current professional resume or service description, recent loss run, engagement contract language (if applicable), and up-to-date revenue information. Clear documentation of services and controls will speed underwriting review.
Need help placing an account? Connect with a market specialist.