Misc Pro
Errors & omissions for a wide variety of small and medium-sized businesses

The business landscape is diverse and evolving. While major industries have established professional liability programs to support their areas of expertise, countless small and medium-size niche businesses may find themselves at risk without the right coverage.
ProFinity offers a full-service E&S professional liability solution for a wide variety of small and mid-size enterprise (SME) firms. Enjoy direct access to an experienced miscellaneous E&O underwriter who delivers same-day service.
Imagine these scenarios:
  • Your management consulting firm was hired by a chief operating officer (COO) to help overhaul the operations of a major health insurer. Your recommendations included restructuring back-office functions and significant investments in accounting and workforce-management solutions. Halfway through implementation, the COO and two other C-level executives were fired and you were told that all work should stop so the client could revisit the project.  Weeks later, your firm was sued by the client, alleging you underestimated restructuring costs by several million dollars and that the changes made to the back office have harmed the client’s ability to conduct business and resulted in lost revenue.
  • Your executive search firm was hired to conduct a search to replace the retiring chief financial officer at a well-respected college.  After you identified and vetted candidates, the school conducted interviews and hired of one that was presented by your firm. Once the new CFO began, it became clear that her skillset did not match the background and experience presented to the school.  An investigation revealed false statements on the candidate’s CV. The school sued your firm, seeking compensation for the cost of the investigation and termination of the candidate, as well as extra expense incurred from alleged mistakes the candidate made while employed by the college.
  • Your language translation firm was hired to translate English-language safety manuals for a client expanding globally. Months after the manuals were published, it was discovered that several did not meet local regulatory requirements, which resulted in penalties being assessed against your client. The client hired another firm to review all the materials and discovered that, in addition to the already identified mistakes, several manuals had been incorrectly translated in key areas. The client sued your firm for the regulatory penalties incurred, as well as the extra expense to correct the mistakes made and replace the manuals.
These examples illustrate real-life situations where you could be a risk without professional liability coverage. We are here to protect you in the event of a claim being brought against you and, providing coverage exists, will indemnify you for your professional errors.


Misc Pro target clients 

  • Revenues up to $100M
  • No claims or incidents in last five years (will consider risks with limited claims activity)

More 120 different classes of business, including: 


Accident reconstruction services
Advertising agencies
Alarm monitoring services
Benefit administrators
Billing services
Expert witnesses

Forensic investigators
Fulfillment services
Independent claims adjusters
Payroll processors
Private investigators

Process servers
Risk managers
Security guards (unarmed)
Staffing services
Tax preparers
Testing labs
Training services
Transcription services
Travel agents

Undesirable Risks


Escrow agents
Financial institutions

Healthcare providers
Home inspectors
Insurance agents/brokers
Managed care providers

Real estate agents/brokers
Real estate appraisers
Talent agents
Title abstractors/agents


Misc Pro coverage highlights

We believe today’s business professionals need robust coverage to protect themselves from financial loss due to errors and omissions. With our program, the process is simplified to include built-in ancillary coverage and broad services descriptions. Features include: 
  • Unintentional breach of contract coverage included
  • Automatic additional insured status for clients
  • Worldwide territory (wrongful acts and claims)
  • Contingent BI/PD coverage available
  • Advertising / media coverage available

Limits, premium and availability 

  • Up to $5M limits (primary or excess)
  • $2,500 minimum premium
  • $2,500 minimum retention
  • Available for firms in all 50 states and the District of Columbia

Need help with a claim? Contact our claims experts.