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Victor O. Schinnerer & Company, Inc.
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Victor O. Schinnerer & Company, Inc.
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Miscellaneous Professional Liability Insurance

Miscellaneous Professional Liability Insurance from Victor O. Schinnerer & Company, Inc. helps agents place tailored professional-liability protection for a wide range of small and mid-sized service firms. The program is built to address growing errors-and-omissions exposures and to make hard-to-place professional risks marketable.
 

Overview of the Program From Victor O. Schinnerer

As an experienced Managing General Underwriter (MGU), Victor O. Schinnerer combines specialized underwriting expertise with strong carrier relationships — including ACE — to offer flexible professional liability solutions. This program is focused on accounts that don’t fit neatly into standard professional lines but still need broad E&O protection and responsive underwriting support.

Ideal Accounts and Appetite

The program targets small to mid-sized professional service firms with annual revenues generally under $5 million. Typical classes include:
  • Business consultants and management services
  • Educational and vocational training providers
  • Financial services firms (non-licensed advisory/support roles)
  • Legal support services (paralegal, document review)
  • Home inspectors and real-estate support services
  • Hotel and hospitality managers
  • Personal service providers (event planners, lifestyle coaches, etc.)
Example accounts that commonly fit: a small marketing consultancy expanding into interstate projects, or a training company offering curriculum development to corporate clients. Schinnerer underwriters will evaluate unique service exposures and help tailor terms where appropriate.

Coverage Highlights and Advantages

This Miscellaneous Professional Liability program offers competitive coverage features designed for emerging and established small firms:
  • Broad definition of “Claim” — includes written demands, civil and regulatory investigations, and sub-limited disciplinary proceedings
  • Punitive and exemplary damages coverage where insurable by law
  • “Wrongful Act” language that expressly includes personal injury offenses
  • Coverage that extends to independent contractors through the “Insured” definition
These features help address both traditional professional exposures and newer risks that arise from consulting, training, and advisory services.

Underwriting Notes and Minimum Premiums

There is no stated minimum premium, giving agents flexibility when placing smaller or start-up accounts. The program offers limits up to $5 million, with terms and pricing determined case-by-case. Submissions should include a clear description of services, revenue breakdown, and any prior-acts or claims information to help underwriters provide timely decisions.

Territories and Availability

This program is available in all 50 states and the District of Columbia. Victor O. Schinnerer provides nationwide underwriting and placement capability so you can submit accounts from any state.

Why Work With Victor O. Schinnerer

Schinnerer is a market-focused MGU with deep experience in miscellaneous professional liability. Their strengths include:
  • Access to strong carrier partners such as ACE
  • Dedicated underwriting and claims teams familiar with professional exposures
  • Flexible, case-by-case underwriting for non-standard professional risks
  • Nationwide availability and responsive broker support
Partnering with Schinnerer helps you place tough-to-place accounts and deliver tailored value to clients who need professional liability protection outside traditional classes.
 
Contact Victor O. Schinnerer today for all your Miscellaneous Professional Liability Insurance needs!

Frequently Asked Questions

What types of accounts are a good fit for this program?

The program fits professional service firms with under $5 million in annual revenue, including consultants, vocational trainers, legal support providers, and home inspectors.

Is there a minimum premium requirement?

No — there is no stated minimum premium, which allows flexibility for smaller or start-up accounts.

Are independent contractors covered under this policy?

Yes. The policy’s definition of “Insured” includes independent contractors, providing broader protection for clients who rely on contract labor.

What is the maximum limit available?

Limits are available up to $5 million, subject to underwriting approval and account-specific considerations.

In which states is this program available?

The program is available in all 50 states and the District of Columbia.

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

U.S. States Available

  • U.S. States Available:
  • US Territories:
    Puerto Rico, Virgin Islands
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    Varies
  • Min Premium:
    No minimum premium

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CONTACT INFORMATION

LOCATION

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APPLICATIONS

AGENCY LICENSING

No matter the size, specialty or complexity of your agency, Victor O. Schinnerer & Company welcomes business from all agents/brokers nationwide, with few exceptions. No company appointment is necessary, unless required by your state.
 
 
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Victor O. Schinnerer & Company, Inc. has other insurance programs like Architects & Engineers Insurance.