An Overview of Coverage
Miscellaneous Professional Liability (MPL) provides coverage for liability and defense costs from claims related to professional services, including negligence, wrongful acts, errors and omissions and failure to render services. MPL provides protection for the business owner as well as employees when providing services on behalf of their employer.
A standard BOP excludes coverage for most operations that fall under professional services, leaving businesses that provide professional services to their customers with a potential gap in protection. To help bridge this gap, C&F Digital Partners offers MPL as an optional coverage. The MPL endorsement removes applicable exclusions that are part of the basic coverage form.
The MPL coverage for BOP offers the following beneﬁts:
- Available for many classes of business with no underwriting questions
- Broad occurrence based coverage (not claims-made)
- Defense paid in addition to the limits (defense outside of limits)
- No deductible or self-insured retention
- No warranty provision
It’s easy to add MPL for a wide range of professional services, from beauty salons to veterinarians.Coverage is available to businesses with less than $1M in sales.