Miscellaneous professional liability
Protection for errors and omissions
From advertising agencies to consultants, professional service providers know their clients rely on them for accurate advice and quality work that is delivered on time. But with increased client expectations and burgeoning jury awards or settlements, the legal, financial, and reputational risks facing professional service providers are growing, too.
Our miscellaneous liability insurance solutions help protect professional service providers and their employees from claims alleging wrongful acts, errors, or omissions in the course of their work.
A protective partnership
Solutions for complex risks
Across industries and services provided, a third-party claim of faulty work or incorrect advice can damage both finances and reputation. Our miscellaneous professional liability solutions provide important protection for these exposures.
Key coverage highlights:
- Coverage tailored to meet the unique needs of each service provider
- Primary capacity up to $20M
- Excess capacity up to $20M
- Broad definition of insured to include independent contractors
- Punitive damages coverage
- Personal injury torts
- Supplemental payments, including pre-claims assistance
- Spousal and domestic partner liability
- Worldwide coverage
We also offer optional coverages such as:
- Contingent bodily injury/property damage
- Copyright or trademark infringement coverage
- Claims expenses outside the limit
- Privacy breach expense and network security sublimit
And as liability risks evolve, you can rely on us to bring the strength and stability of a Fortune 100 company to every policy.
Expertise that delivers
Professional service providers work in their clients’ best interests, but even the most careful professional can make a mistake – and, of course, an unsatisfied client can make a claim of negligence even if you’re not at fault.
We understand the challenges you face and bring a wealth of experience to every policy. Our dedicated underwriters and claims professionals team up to stay on top of current loss trends and risk scenarios, including:
- Mistakes and oversights
- Failure to deliver contracted services
- Missed deadlines
- Other negligent or wrongful acts
And we combine this expertise with a customer-centric service approach to meet your company’s needs. If issues arise, count on us to help protect your firm and its employees, finances, and reputation.
Better control over claims
Customers feel our commitment to superior service at every stage of the claims process, from first notice of loss to final resolution. With ongoing training, highly experienced senior claims leaders, and a culture that promotes proactive decision making, our claims teams are empowered to deliver better outcomes.
And because they work closely with the underwriters who develop our liability coverages, these seasoned claims professionals are better equipped to resolve claims quickly, limit litigation, and control costs.
With our miscellaneous professional liability solutions, customers can benefit from:
- Dedicated claims specialists with in-depth experience investigating, evaluating, negotiating, and resolving professional liability claims
- Dispute resolution with retention reduction
- Risk–management services
Get in touch
Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.
Related insights
This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.
Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.
