Program Overview from U.S. Risk Insurance Group
U.S. Risk Insurance Group, Inc. offers a flexible Miscellaneous Professional Liability program designed for agents and brokers placing service-based professionals whose exposures fall outside standard industry programs. With recent expansion to more than 300 eligible classes and more competitive entry pricing, this program helps you secure tailored errors & omissions protection for non-traditional professionals and small firms.
Ideal Accounts and Appetite
This program targets small- to mid-sized professional service firms across a broad mix of classes. It is a good fit when your client provides professional advice, reporting, inspection, placement, or administrative services to third parties and needs E&O protection. Typical accounts include consultants, home inspectors, adjusters, real estate appraisers, staffing agencies, event planners, and creative professionals such as graphic designers.
Example placements:
- A sole-practitioner home inspector seeking a primary professional liability policy with modest deductible and flexible limits.
- A regional staffing agency that needs coverage for placement errors and payroll-administration services across multiple client industries.
Coverage Highlights and Advantages
- Option to structure defense costs outside the policy limit
- Personal injury coverage included when tied to professional services
- Contingent bodily injury and property damage coverage available
- Limits available up to $5 million per claim and in the aggregate
- Deductibles starting as low as $1,000
Underwriting Notes and Minimum Premiums
Minimum premiums now start at $1,000, improving accessibility for smaller firms and startups. U.S. Risk underwrites with an emphasis on class-specific exposures and will consider accounts that may be difficult to place through standard carriers. Required submission materials vary by class — include completed applications, recent loss runs, and any applicable service agreements for faster review. Most markets are offered non-admitted, with access to multiple carrier partners.
Territories and Availability
This Miscellaneous Professional Liability 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 may vary by state and class.
Why Work With U.S. Risk Insurance Group?
U.S. Risk acts as a program administrator with deep experience in niche professional liability markets. They provide responsive underwriting, access to multiple carrier appetite options, and program structures designed for hard-to-place risks. Working with U.S. Risk gives you flexible policy features and service-oriented placement support when standard markets are limited.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is well suited for a wide range of service professionals, including consultants, home inspectors, adjusters, appraisers, staffing agencies, and many creative or administrative service providers.
What is the minimum premium for this program?
The minimum premium starts at $1,000, making it a competitive option for smaller and emerging businesses.
Are defense costs included within the policy limits?
Defense costs can be structured outside the policy limit if selected, which helps preserve limits for indemnity exposure.
Is this program available in my state?
The program is available in most U.S. states. State-specific availability and admitted versus non-admitted options depend on class and carrier.
What limits and deductibles are available?
Coverage limits are available up to $5 million per claim and in the aggregate, with deductibles starting as low as $1,000.
Need help placing an account? Connect with a market specialist.