Miscellaneous Professional Liability (MPL) Insurance

At-Bay’s Miscellaneous Professional Liability (MPL) Insurance protects service-based businesses from financial loss due to claims of negligence, errors, omissions, or breach of duty in the professional services they provide. Designed for modern businesses across more than 130 diverse classes, MPL offers broad coverage not typically included in general liability policies. It is delivered through a digital-first platform for fast, automated quoting and binding.

Features

• Coverage for negligence, errors, omissions, and breach of duty
• Protection against copyright and trademark infringement
• Personal injury coverage including emotional distress and defamation
• Coverage for independent contractors and acquired subsidiaries
• Legal defense costs and supplementary payments
• Claims-made and reported policy structure
• Instant quotes up to $2 million; up to $5 million with underwriter review

Capabilities

• Supports businesses up to $100 million in revenue
• Covers over 130 professional service business classes
• Digital-first quoting via Broker Platform and API
• Automated underwriting for fast turnaround
• Customizable endorsements for complex risks
• Seamless integration with broker workflows

Benefits

• Protects against costly lawsuits and reputational damage
• Improves operational efficiency with automated processes
• Ensures compliance and audit readiness
• Empowers brokers with fast, accurate quoting tools
• Reduces friction in placing coverage for hard-to-insure industries