Module 21: Miscellaneous PL Insurance

The Miscellaneous Professional Liability module identifies circumstances that have created a need for these service providers to purchase coverage for their professional errors and omissions. It discusses the types of service providers covered and how Miscellaneous PLI differs from Commercial General Liability. Because Miscellaneous PLI encompasses a broad range of potential exposures, the module addresses its unusual underwriting challenges. The unit explains the steps required to identify the risks posed by Miscellaneous PLI and possible strategies for rating it. After studying key provisions of Miscellaneous PLI policies, different scenarios of coverage attachment are analyzed. There is review of how to coordinate CGL and PL coverages. The module describes the unique aspects of Miscellaneous PLI claims, managing them, and defense considerations. The module summarizes the issues currently affecting Miscellaneous PLI and challenges and solutions for addressing these exposures.

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