Ideal Accounts and Appetite
M.J. Hall’s Professional Liability program is designed to support agents in placing coverage for a variety of professional classes, including:
- Medical Professionals – Assisted Living Facilities (ALFs), clinics, nursing homes, and related healthcare entities
- Miscellaneous E&O – Including architects & engineers, accountants, insurance agents, attorneys, consultants, and property managers
- Directors & Officers (D&O) – Both for-profit and non-profit organizations
- Employment Practices Liability Insurance (EPLI)
This program is a strong fit for clients facing heightened exposure due to the nature of their services, regulatory oversight, or client expectations. Whether your client is a startup consulting firm or a multi-location assisted living facility, M.J. Hall can help you secure customized protection.
Coverage Highlights and Advantages
Professional liability, also known as Errors & Omissions (E&O) insurance, protects your clients against claims of negligence, errors, omissions, and failure to deliver professional services as promised. In medical settings, it’s often referred to as malpractice insurance. M.J. Hall works with various carriers to provide tailored forms that align with the profession in question.
Key advantages include:
- Access to both admitted and non-admitted markets (varies by state)
- Coverage options for emerging or niche professions
- Solutions for hard-to-place or previously declined risks
Underwriting Notes and Minimum Premiums
Minimum premiums typically start at $500 but vary depending on the class of business, size of the operation, and exposure. M.J. Hall’s underwriting team evaluates each submission individually and works closely with agents to find the right fit.
Applications should include a complete narrative of operations, loss history (if applicable), and details about licensing, certifications, or accreditations specific to the insured’s profession.
Territories and Availability
This Professional Liability program is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Market availability may vary by profession and coverage type, and both admitted and surplus lines options are available depending on jurisdiction and risk profile.
Why Work With M.J. Hall & Company, Inc.
M.J. Hall has built a reputation for responsiveness, expertise, and access to a wide range of specialty carriers. As an independent agent or broker, you can rely on their team to help you navigate complex professional liability risks and secure competitive coverage for your clients.
Whether you're trying to place EPLI for a mid-sized tech company, D&O for a nonprofit board, or E&O for an experienced engineering firm, M.J. Hall is a trusted partner with the markets and knowledge to support you.
Our agents would be happy to discuss your Professional Liability Insurance needs — contact M.J. Hall today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for medical professionals, consultants, attorneys, accountants, insurance agents, property managers, and nonprofit or for-profit organizations in need of D&O or EPLI coverage.
Can M.J. Hall place hard-to-insure or previously declined risks?
Yes, M.J. Hall specializes in finding markets for complex or hard-to-place professional liability risks through its access to various surplus lines carriers.
Are both admitted and non-admitted options available?
Yes, admitted and non-admitted options are available in some states. The availability depends on the class of business and jurisdiction.
What is the minimum premium for this coverage?
Minimum premiums typically start at $500, but may vary based on the type of risk, size of the operation, and required limits.
Which states is this program available in?
This program is available in Alaska, Arizona, California, Hawaii, and Nevada.
Need help placing an account? Connect with a market specialist.