What Is Miscellaneous Professional Liability?

As an independent insurance agent, you know that not all professionals fit neatly into traditional categories like doctors, lawyers, or architects. That’s where Miscellaneous Professional Liability (MPL) coverage comes in—a flexible, powerful solution that protects professionals across a wide range of industries. 

Whether your clients are consultants, marketing specialists, interior designers, or event planners, MPL can be the key to securing the right protection for their business. 

What Is MPL? 

Miscellaneous Professional Liability is a type of errors and omissions (E&O) insurance designed for service-based professionals who provide advice, expertise, or services—but don't fall under traditional E&O categories like medical or legal malpractice. 

It protects against claims of: 

Negligence 

Errors or omissions in service 

Misrepresentation 

Failure to deliver promised services 

Inaccurate advice 

Even when a client’s work is done correctly, a simple misunderstanding or unmet expectations can lead to a lawsuit. MPL coverage helps manage those risks. 

Who Needs It? 

The answer: more professionals than you might think. MPL is ideal for businesses that offer specialized knowledge or services. Here are just a few examples: 

Management or business consultants 

Marketing and advertising agencies 

Real estate agents or property managers 

Event planners 

Travel agents 

Software trainers 

Interior decorators 

Translators 

Tutors and coaches 

And many more 

If your client earns revenue by offering their expertise, advice, or service, they’re a candidate for MPL. 

Key Features to Look For 

When reviewing or quoting MPL coverage for your clients, keep an eye out for: 

Defense costs coverage (inside or outside limits) 

Prior acts coverage for established professionals 

Broad definitions of professional services 

Optional endorsements tailored to the client’s industry 

Claims-made policy structure—understand retroactive dates 

At Stuckey & Company, our MPL markets offer access to broad, customizable coverages through A+ rated carriers—making it easier for you to serve niche clients with confidence. 

Tips for Positioning MPL to Clients 

Educate on risk: Many small businesses believe liability only applies to tangible products or medical services. Help them understand that service mistakes—even small ones—can lead to costly claims. 

Highlight affordability: MPL policies are often surprisingly affordable relative to the protection they offer. 

Give examples: Use real-world scenarios relevant to the client’s field to illustrate how MPL can help them stay protected. 

How Stuckey & Company Can Help 

As your wholesale partner, we give independent agents like you the tools to succeed: 

No fees or minimums 

Access to 60+ A+ rated carriers 

Expert underwriting support 

Custom quoting tools and marketing materials 

We're here to make sure you feel confident offering MPL—and that your clients feel confident choosing it.