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Product Fact Sheet

Errors and Omissions for Miscellaneous Professionals
Miscellaneous E&O

When businesses are providing services where they are being relied upon as an expert this creates a Professional Liability exposure, and an Errors and Omissions policy can cover potential financial losses not covered under a normal Commercial General Liability policy.   With over 50 types of professionals we cover, SIGNAL’s team is here to assist your clients.

Our target classes of business:
  • Access and Disability Consultants

  • Accident Reconstruction

  • Acoustical Consultants

  • Agricultural Consultants

  • Analytical Laboratories

  • Animal and Wildlife Consultants

  • Answering Services

  • Arborists

  • Archeological and Historical Prevention Consultants

  • Auctioneers, Auction Houses

  • Audio/Visual Consultants

  • Biologists, Ecologists

  • Bookkeepers

  • Business Analysts

  • Business Consultants

  • Call Centres

  • Coaching Service, Life Coach, Executive Coach

  • Collection Agents and Agencies

  • Court Reporters

  • Dance Instructors

  • Direct Mail Services

  • Document Shredders

  • Educators (Educators E&O)

  • Education Consultants

  • Ergonomics Consultants

  • Executive Recruiters and Search Firms

  • Expert Witnesses

  • Facilities Management

  • Food Hygiene, Food Safety, Food Industry Consultants

  • Forensic Analysts/Scientists

  • Forestry Consultants, Conservation Consultants

  • Freight Forwarders

  • Genealogists

  • Health and Safety Consultants

  • Import and Export Consultants

  • Interior Decorating and Designers

  • Insurance Auditors

  • Janitorial Services

  • Landscape Architects

  • Librarians

  • Lighting Design and Consultants

  • Loss Adjusters, Claims Adjusters

  • Loss Appraisers

  • Loss Control, Risk Managers

  • Marriage Counsellors

  • Management Consultants

  • Pet Groomers, Sitters, Walkers

  • Process Servers

  • Property Managers

  • Private Investigators

  • Quality Assurance Services

  • Real Estate Agents/Brokers

  • Regulatory Compliance

  • Relocation Service

  • Temporary Staffing Firms

  • Testing Laboratories (non-medical)

  • Training Organisations and Consultants

  • Translators, Interpreters

  • Travel Agents

  • Tutors

  • Urban Planning

  • Wedding Planners

Available coverages:
  • Errors and Omissions

  • Optional Equipment Breakdown

  • Optional Property & Crime

  • Commercial General Liability, including Bodily Injury, Personal and Advertising Injury, Property Damage, Tenant's Legal Liability, Non-Owned Automobile, Employee Benefits Errors & Omissions

Errors & Omissions coverage highlights:
Lloyd's
  • $5,000,000 available limits for E&O ($2,000,000 limits with U.S. exposure)

  • 25% U.S. and 25% Rest of World Exposure for risks with gross revenues up to $10,000,000

  • First Dollar Defense/Duty to Defend

  • Market-leading SIGNAL Underwriting manuscript wording tailored for Miscellaneous Professionals

  • Underwritten by certain underwriters at Lloyd’s

  • ‘Velvet Hammer’ Clause

Property & Crime coverage highlights:
  • $4,000,000 available per location (for best in class)

  • All-Risk Coverage

  • Broad list of Extensions of Coverage

  • Customized Wording for Small and Medium Businesses

  • Replacement Cost

  • Stated Amount-Waiver of Co-Insurance (with signed Statement of Values on File)

What sets SIGNAL Underwriting apart:
  • Broad appetite

  • Customer focused on broker partners and insureds

  • In-house underwriting authority

  • Over 20 years of Professional Liability broking and underwriting experience

  • Our Underwriters are here to help you with any of your Miscellaneous Professionals industry-related questions

  • Secured Lloyd’s of London Coverholder status within first year of operation

  • SIGNAL Underwriting Inc. only represents London and domestic security with a minimum rating of A- (AM Best rating) for this product

  • Claims handled by Canadian Third Party Adjuster experienced with Professional Liability

  • 17.5% Retail broker commission on this product

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