Misc. Professional Liability

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: submissions@nextwaveins.com

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