Professional liability
Merit Specialty, a brand of 华体会, is dedicated to providing wholesale brokers and their clients with the right combination of price and coverage.
Professional liability
Merit Specialty offers flexible professional liability coverage solutions for lawyers, miscellaneous professionals, architects and engineers, and accountants. Partner with us to deliver robust protection, experienced risk management, and expert services, all designed to meet the evolving needs of these professions.
Lawyers
- Preferred appetite
- Bankruptcy
- Civil/commercial litigation defense
- Commercial law/ transactions - less than $1M
- Criminal defense representation
- Family law - less than $2M
- Immigration law
- Labor management
- Local/municipal government
- Mediation and arbitration (other than securities/FINRA)
- Residential real estate
- Schools/education (no finance)
- Social Security/disability/Medicare
- Taxation (individual)
- Wills, estates, trusts, probate - less than $2M
- Workers鈥� compensation
- Limited appetite
- Appellate
- Banking/financial institutions
- Civil/commercial litigation - plaintiff
- Civil rights/discrimination
- Commercial law/business transactions
- Construction
- Corporate formation
- Employee benefit plans, ERISA
- Environmental regulation
- Estate litigation
- Estate planning/wills
- Insurance defense
- Personal injury defense
- Plaintiff personal injury (automobile, slip and fall, dog bite)
- Real estate - commercial
- Taxation - corporate
Miscellaneous professionals
- Consultants
- Communications
- Educational
- Energy
- Human resources
- Management
- Marketing
- Public relations
- Research and development
- Telecommunications
- Training
- Media and creative
- Advertising agencies
- Broadcasters
- Graphic designers
- Interior decorators and designers
- Market researchers
- Publishers
Note: An occurrence media form is available for select media and creative professionals.
- Real estate
- Agents and brokers
- Appraisers
- Auctioneers
- Green energy auditors
- Home inspectors
- Lease brokers
- Mortgage brokers
- Property managers
- Other professionals
- Arbitrators and mediators
- Business associations
- Claims adjusters
- Employment agents and executive recruiters
- Event and meeting planners
- Expert witnesses
- Forensic analysis (non-medical)
- Lobbyists
- Medical billing
- Payroll services
- Private investigator services
- Process servers
- Record storage and destruction
- Translation services
- Travel agents
Accountants
- Accountants
- CPA firms
- Bookkeepers
- Tax preparers
- Enrolled agents
Architects and engineers
- Acoustical engineering
- Architecture
- Architectural planning
- Civil engineering
- Civil wastewater treatment plants (WWTP)
- Construction management鈭抋gency
- Electrical engineering
- Environmental engineering (phase I and II only)
- Illumination/lighting engineering
- Interior design
- Landscape architecture
- Land surveying
- Lab services
- Mechanical and HVAC engineering
- Process engineering
- Project management
- Owner鈥檚 representative
- Structural engineering
Hanover Lawyers Professional Advantage is a specialized errors and omissions solution designed to meet the evolving needs of law firms of all sizes, including growing practices.
Key coverage
Important coverage and policy features include:
- Coverage for professional services provided on behalf of the insured entity, named insured, predecessor firm or nonprofit entity
- Privacy and security liability coverage related to mishandling client鈥檚 personal information, including actions of a rogue employee and violations of customer notification laws
- Pre-claim assistance supplemental coverage
- Disciplinary proceedings supplemental coverage
- Subpoena assistance supplemental coverage
- Crisis event supplemental coverage
- Nonprofit directors and officers expense supplemental coverage
- Loss of earnings
- Coverage for remote notarization services included when allowed by the state
- Specific client limit endorsement provides the ability to increase the limit of insurance for a specific client
- Career coverage endorsement broadens the definition of services to include work performed by the named insured at prior firms
Additional policy features
- Claims made and reported
- Limits of liability ranging from $100,000 up to $10 million for select firms
- Definition of damages includes pre and post judgment interest and punitive and exemplary damages
- Deductible reduction for mediation claim settlement
- Multiple extended reporting period options, including individual extended reporting period
Supplemental coverage
Our professional liability enhancement endorsement includes nine supplemental coverages:
- Canceled conferences
- Counseling support
- Emergency web hosting
- Pet boarding
- Real estate emergency consulting
- Replacement of key officers
- Temporary meeting space
- Travel disruption due to terrorism
- Workplace violence counseling
We designed Hanover Miscellaneous Professionals Advantage to provide a standalone personal liability solution that will stay ahead of the risks of today's dynamic business environment.
Key coverage
Important coverages built in to our base coverage form include:
- Professional services coverage
- Personal injury coverage
- Privacy and security coverage
- Pre-claim assistance
- Disciplinary proceedings
- Subpoena assistance
- Crisis event
- Reputation event
- Withheld client fee
- Nonprofit directors and officers expense
Additional product features
- Claims made and reported
- Occurrence media form is available for select media and creative professionals
- Minimum premiums starting at $500
- Limits of liability ranging from $100,000 to $10,000,000
- Deductible reduction for mediation claim settlement
- Extended reporting period options up to five years
Supplemental coverage
Our professional liability enhancement endorsement includes nine supplemental coverages:
- Canceled conferences
- Counseling support
- Emergency web hosting
- Pet boarding
- Real estate emergency consulting
- Replacement of key officers
- Temporary meeting space
- Travel disruption due to terrorism
- Workplace violence counseling
Product not available in CA or NY. Contact your regional distribution director for more information.
华体会 partners with McGowanPRO to offer CPAOneProSM 鈥� a program designed to meet the needs of accounting firms of all sizes. Written through a risk purchasing group by McGowanPRO, the program offers robust coverage along with experienced risk management and expert claims services. Visit to learn more about the CPAOneProSM offering.
Hanover Architects & Engineers Advantage helps protect against the unique risks architects and engineers face with comprehensive coverage that meets or exceeds professional liability insurance needs.
Supplemental coverage and enhancements
- Remediation expense 鈥� no design/build exclusion
- Withheld client fee assistance
- Reputation protection expense
- Crisis event expense
- Peer review expense
- Disciplinary proceedings expense
- Nonprofit directors and officers expense
- Cyber privacy, security and media liability coverage
- Definition of unmanned aircraft specifically states "drone"
- Additional claim-free and risk management deductible reduction benefits
- Additional extended reporting period options
Additional program features
- Claims made and reported
- Limits of liability ranging from $100,000 to $10,000,000
- Deductibles as low as $0 for small firms with gross billings of $250,000 or less
- Deductibles starting at $2,500 for firms with more than $250,000 in gross billings
Lawyers
- Preferred appetite
- Bankruptcy
- Civil/commercial litigation defense
- Commercial law/ transactions - less than $1M
- Criminal defense representation
- Family law - less than $2M
- Immigration law
- Labor management
- Local/municipal government
- Mediation and arbitration (other than securities/FINRA)
- Residential real estate
- Schools/education (no finance)
- Social Security/disability/Medicare
- Taxation (individual)
- Wills, estates, trusts, probate - less than $2M
- Workers鈥� compensation
- Limited appetite
- Appellate
- Banking/financial institutions
- Civil/commercial litigation - plaintiff
- Civil rights/discrimination
- Commercial law/business transactions
- Construction
- Corporate formation
- Employee benefit plans, ERISA
- Environmental regulation
- Estate litigation
- Estate planning/wills
- Insurance defense
- Personal injury defense
- Plaintiff personal injury (automobile, slip and fall, dog bite)
- Real estate - commercial
- Taxation - corporate
Miscellaneous professionals
- Consultants
- Communications
- Educational
- Energy
- Human resources
- Management
- Marketing
- Public relations
- Research and development
- Telecommunications
- Training
- Media and creative
- Advertising agencies
- Broadcasters
- Graphic designers
- Interior decorators and designers
- Market researchers
- Publishers
Note: An occurrence media form is available for select media and creative professionals.
- Real estate
- Agents and brokers
- Appraisers
- Auctioneers
- Green energy auditors
- Home inspectors
- Lease brokers
- Mortgage brokers
- Property managers
- Other professionals
- Arbitrators and mediators
- Business associations
- Claims adjusters
- Employment agents and executive recruiters
- Event and meeting planners
- Expert witnesses
- Forensic analysis (non-medical)
- Lobbyists
- Medical billing
- Payroll services
- Private investigator services
- Process servers
- Record storage and destruction
- Translation services
- Travel agents
Accountants
- Accountants
- CPA firms
- Bookkeepers
- Tax preparers
- Enrolled agents
Architects and engineers
- Acoustical engineering
- Architecture
- Architectural planning
- Civil engineering
- Civil wastewater treatment plants (WWTP)
- Construction management鈭抋gency
- Electrical engineering
- Environmental engineering (phase I and II only)
- Illumination/lighting engineering
- Interior design
- Landscape architecture
- Land surveying
- Lab services
- Mechanical and HVAC engineering
- Process engineering
- Project management
- Owner鈥檚 representative
- Structural engineering
Contact our team to learn more.
MPL and LPL
Christine Nobles
AVP, Underwriting
704-409-1079
[email protected]
APL and A&E
Nicole Moynihan
Director, Underwriting
267-247-6754
[email protected]