Feb 23 2026 20:50

Miscellaneous E&O Insurance: A Complete Solution for Professional Service Risks

A Broad MPL Program Designed to Help Agents Retain and Expand Accounts

 

As an insurance agent, you’ve seen it before.

A solid account. A professional service firm. Good revenue. Good history.

But they don’t fit neatly into a traditional professional liability box.

 

That’s where Miscellaneous Errors & Omissions (MPL) coverage becomes your competitive advantage. At Souders Underwriting Group, we make it easy for agents to write Professional Liability for a broad spectrum of service-based businesses — helping you retain accounts, expand your book, and avoid losing clients to competitors.

 

What Is Miscellaneous Professional Liability (MPL)?

 

Miscellaneous Professional Liability (also called Miscellaneous E&O) protects service-based professionals against claims of:

 

  • Negligence
  • Errors or omissions
  • Failure to perform professional duties
  • Misrepresentation
  • Regulatory or disciplinary actions

 

It’s designed specifically for businesses that don’t qualify for industry-specific E&O policies. Instead of turning these accounts away — you can write them.

 

Why MPL Is a Growth Opportunity for Independent Agents

 

Professional service businesses face increasing exposure from:
  • Contract disputes
  • Regulatory investigations
  • Client dissatisfaction
  • Expanding scope of services
  • Social media and reputational claims

 

Yet many are underinsured or uninsured because they don’t fit standard underwriting categories. That creates opportunity.

 

By offering Miscellaneous Professional Liability coverage, you:
  • Retain more commercial clients
  • Deepen your relationship with professional service accounts
  • Increase revenue per account
  • Protect clients from potentially catastrophic claims
  • Differentiate your agency from competitors

 

Common Claims Examples

Here’s where MPL coverage makes a difference:

  • A bookkeeper accused of misclassifying expenses
  • A property manager sued for failure to disclose material information
  • A consultant blamed for financial losses after implementing strategy
  • A mortgage broker facing regulatory inquiry
  • A staffing firm accused of improper placement

 

Without E&O coverage, these claims can shut a business down. With the right MPL policy, your client stays protected and you stay their trusted advisor.

 

Why Agents Partner With Us for MPL Coverage

 

Flexible Coverage That Wins Accounts

Our MPL program is built with agents in mind:

  • Accepts businesses with annual revenues up to $20 million
  • Coverage for:
    • Written demands
    • Civil proceedings
    • Civil & regulatory investigations
    • Disciplinary proceedings (sub-limited)
  • Includes punitive & exemplary damages(where allowed by law)
  • “Wrongful Act” includes Personal Injury Offenses
  • “Insured” definition includes independent contractors

 

That flexibility allows you to say “yes” more often — and keep business in-house.

 

One Market. Many Classes.

 

We provide access to a wide appetite across multiple industries, making it easier for you to consolidate markets and streamline submissions.

 

Financial & Professional Services
  • Actuaries
  • Bookkeepers
  • Benefit Plan Administrators / TPAs*
  • Claims Adjusters*
  • Collection Agents / Debt Counselors
  • Insurance Agents & Brokers
  • Mortgage Bankers / Brokers / Loan Servicers*
  • Escrow / Foreclosure Agents*

 

Real Estate & Property Services
  • Real Estate Agents / Brokers / Property Managers*
  • Appraisers* (Including Real Estate)
  • Home Inspectors
  • Construction Managers*

 

Business, Staffing & Personal Services
  • Business Managers / Management Consultants*
  • Call Centers / BPO Firms
  • Employment Agencies / Employee Leasing Firms*
  • Franchisers
  • Barber / Beautician*
  • Auctioneers
  • Funeral Directors

*Supplemental application required for certain classes.

 

And many more. Don’t see your class listed? Reach out — we’ll find a market.

 

Designed for Submission Ease

 

We know speed matters. Our underwriting team understands professional liability and works closely with agents to:

  • Review unique classes
  • Navigate supplemental requirements
  • Provide responsive communication
  • Offer competitive terms

 

➥  Access the  MPL Application  Here  

➥  Send Your Submission Today to  submissions@soudersgroup.com  

 

When other markets hesitate, we lean in. All we need to start getting you a quote is a completed copy of the above supplemental application and an ACORD application.

 

Let’s Write More Professional Liability Business Together

 

If you’re seeing professional service accounts that don’t quite fit traditional E&O programs, let’s talk.

 

We’ll help you:
  • Place hard-to-fit classes
  • Retain key accounts
  • Expand into new verticals
  • Write more revenue

 

 

Partner With a Broker That Helps You Say “Yes”

 

Miscellaneous Professional Liability doesn’t have to be complicated. With the right wholesale partner, it becomes a powerful tool to grow your agency.

Let’s write more business together.