Next Wave Insurance Services, LLC

Property & Casualty Insurance Solutions

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Misc. Professional Liability

Next Wave offers our agents/brokers access to a comprehensive Miscellaneous Professional Liability (MPL) program providing coverage for over 470 small to mid-sized non-degreed professionals and professional services firms.

The Miscellaneous Professional Liability program also offers Technology E&O coverage for 65 classes.

Eligible Classes

The program targets over *400+ class codes including:
  • Claims Adjusters
  • Collection Agencies
  • Employment Agencies
  • Graphic Artists, and Management
  • Marketing and Human Resources Consultants
  • Actuaries
  • Chimney Sweeps
  • Coin, Gem or Art Dealers
  • Construction Project Managers
  • Electrical Consultants
  • Escrow Agents
  • Home Inspectors
  • Safety Consulting
  • Salvage/Scrap Metal Dealers
  • Spa Services
  • Technology Risks
  • Testing Labs
  • Welding Inspectors.

*For a complete list of eligible classes, please send a request to:

Ineligible classes

  • Full Prior Acts coverage is standard
  • Duty to Defend; Pay on behalf of
  • Defense Costs in addition to the per claim limit No Hammer clause in consent to settle provision personal injury is included.
  • No anti-trust or SEC exclusion
  • Innocent Insured/Severability
  • Disciplinary Proceedings Coverage Extension ($25,000 sublimit included at no additional charge)
  • Loss of Earnings Extension ($400/day to a maximum $10,000 sublimit included at no additional charge)
  • Reputation Restoration Protection Extension Covers fees and expenses of a public relations firm, crisis
  • management firm, or law firm to advise on minimizing the harm of adverse publicity from a covered event, in order to restore public confidence in the Insured.
  • Credit of 75% to a maximum $10,000 is available for claims neither litigated nor submitted to Arbitration or Mediation
  • Exclusion for Intentional Acts with “Final Adjudication” wording
  • No exclusion for Prior/Pending Litigation. “Known Claims” is addressed in the Insuring Agreement.


  • Lloyds of London
  • CNA
  • Chubb
  • Philidelphia

About Us

Next Wave operates as a Managing General Underwriter and Program Administrator, developing and distributing commercial, personal lines and travel insurance products.
Representing a wide range of top-rated carriers in the property and casualty arenas, Next Wave markets programs exclusively through independent agents and brokers nationwide. We provide responsive and disciplined underwriting expertise with competitive pricing to a wide range of industry classes, including: Hospitality, Manufacturing, Retailers, Wholesale Distributors, Healthcare Facilities, Technology, Real Estate and specific types of Construction risks. Next Wave also provides agent access to select personal lines markets for high-value homes, specialty personal lines and travel insurance products.
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