Professional service firms face growing liability exposures even when they operate with care. In fact, 1 in 7 professional service providers will face a lawsuit this year. Continental Risk / Continental Marine Insurance Services provides a focused Miscellaneous Professional Liability (MPL) program to help your clients manage those risks with tailored E&O protection.
Overview of the Program From Continental Risk
As an experienced Excess & Surplus Lines broker, Continental Risk places MPL through a panel of flexible carriers. The program is designed for professionals and firms that do not fit neatly into standard errors & omissions classes. We offer tailored solutions for solo practitioners up to midsize firms and for non-traditional professional services that need meaningful professional liability limits and policy wording.
Ideal Accounts and Appetite
This MPL program fits a broad variety of professional service providers, including:
- Architects and engineers
- Business, management and technical consultants
- Employment, HR and benefits consultants
- Financial services providers (non-SEC registered advisory roles)
- Healthcare and wellness practitioners (non-physician roles)
- Information technology, software and SaaS firms
- Legal support services (non-attorney roles)
- Media, marketing and advertising professionals
- Real estate service providers
- Travel agents and tour operators
Appetite notes: this program is specifically useful for unique or hard-to-place professions and hybrid operations that require E&O but fall outside typical class codes. Accounts generally considered are service-only exposures or mixed operations where the professional component is primary. Trades, heavy contractors, and risks with significant product liability or professional+general-liability conflation typically do not fit.
Coverage Highlights and Advantages
Policies available through Continental Risk include features that improve defense and claim handling:
- Duty to defend language available with certain carriers
- Custom definitions of “Professional Services” to match the insured’s operations
- Deductible credits for mediated or early-resolved claims
- Personal injury and reputation protection options
- Coverage for confidentiality breaches and administrative proceedings
- Subpoena compliance assistance and defense support
- E-professional services wording to cover digital and remote work
- Automatic coverage for newly acquired subsidiaries (subject to limits)
- Toll-free risk management hotline for insured support and pre-claim advice
These features help your insureds manage exposures and respond to allegations of professional negligence or omission.
Underwriting Notes and Minimum Premiums
Continental Risk leverages multiple carrier relationships to match policy form and price to the risk. Underwriting is flexible: we review business models, revenue, claims history, controls, and contract wording. Most MPL policies in this program are written on a claims-made basis, although terms vary by carrier and account.
Minimum premium starts at $750, depending on class, limits, and underwriting factors. Provide complete applications, current contracts, and any prior acts or claims information to expedite placement.
Territories and Availability
This MPL program is available in most U.S. states, including 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, and WY. Availability and admitted/non-admitted options vary by state and carrier—some admitted markets are available depending on the class of business.
Why Work With Continental Risk
Continental Risk / Continental Marine Insurance Services combines deep E&S market access with focused underwriting for professional liability. As a broker, we help you place complex, niche, and hard-to-place E&O accounts efficiently by matching contract-sensitive clients to carriers that will tailor form and limits. We also provide responsive quoting and placement support through binding and policy issuance.
Example scenarios that place well in this program: you might have a digital marketing firm that needs E-professional services coverage for online campaign advice, or an HR consultant facing potential administrative proceeding exposures who requires defense for hearings and advice services. Both account types can often be placed through this MPL program with appropriate underwriting submission.
Frequently Asked Questions
What types of accounts are a good fit for this Miscellaneous Professional Liability program?
This program is ideal for a wide variety of professional service providers, including consultants, media firms, IT professionals, real estate service providers, and other non-traditional professions that need E&O coverage.
Is this program available nationwide?
Yes, the MPL program is available in most U.S. states, including all major markets listed on this page. State availability and whether admitted or non-admitted coverage is offered depends on the carrier and class—please contact us for state-specific details.
What is the minimum premium for this program?
The minimum premium for eligible accounts typically starts at $750, depending on the class of business, limits requested, and risk profile.
Are claims-made or occurrence policies offered?
Most policies are written on a claims-made basis, which is standard for professional liability. Coverage terms can vary by carrier and account, so submit details if you require occurrence wording.
Does the program include coverage for digital or online services?
Yes, e-professional services coverage is included with many carriers in the panel, making this a strong option for clients delivering digital, remote, or SaaS-based professional services.
Need help placing an account? Connect with a market specialist.