Who and What Are Covered by Miscellaneous Liability

Liability insurance for miscellaneous professionals covers quite a bit of ground for a variety of professionals in a wide range of industries. Professional liability addresses instances of negligence in the performance of services where a reasonable standard of care is expected. Liability coverage frequently helps pay legal defense fees, as what is reasonable is often decided in the courts. Coverage may include:

  • Defense coverage for disciplinary proceedings
  • Spousal and domestic partner liability coverage
  • Punitive damages
  • Copyright infringement and other intellectual property exposures
  • Personal injury coverage
  • Coverage for independent contractors for work performed on behalf of the insured

For Professionals in Media, Services and More

As is the case with most policies, liability insurance for miscellaneous professionals delivers when something goes wrong. Perhaps there is a dispute over the use of some original music in an advertisement, or an employment service places a person with false credentials. If a problem ensues that leads to a lawsuit, liability is available to pay damages due to error or misjudgment. The policy has another purpose, as well. It ensures customers, clients and employers that you value your professionalism and have taken care to put appropriate protections in place. Some fields for an MPL policy:

  • Advertising
  • Billing services
  • Broadcasting
  • Call Centers
  • Employment agencies
  • Event planning
  • Interpreting
  • Mediation
  • Printing
  • Travel industry

As markets and business circles grow, it is smart to carry insurance that addresses the expanding needs of your profession.

 

photo credit: Coast Guard inspects dinner cruise ship (license)

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