Miscellaneous PROtect℠

Argo Pro’s Miscellaneous PROtect policy provides protection to professionals and their staff, addressing exposures associated with the performance of their business.

Coverage Highlights

• Protection for claims arising from:

– Professional liability with customized definition of professional services

– Cyber liability (including social engineering incidents)

• Coverage for the following supplemental payments:

– Crisis management expenses

– Disciplinary proceedings

– Subpoena assistance

• Coverage for “appearance at proceedings”

• Waiver of subrogation rights when insured agrees to prospectively waive via written contract

• “Soft” hammer clause

• Claims provision allows for choice of counsel, with insurer’s consent

• Up to $25,000 deductible credit for voluntary mediation

• Automatic coverage for acquisitions of entities whose revenues are less than 50 percent of the named insured’s revenues

• Wrongful act includes “personal injury offense”

• Final adjudication for fraud claims

• Punitive and exemplary damages covered, where insurable

• Definition of insured includes independent contractors, interns, volunteers, spouses and domestic partners

 

Coverage Limits

• Maximum capacity: $10 million

• Minimum deductible: $2,000

• Minimum premium: $2,000

• Can write on admitted or nonadmitted paper

Appetite & Availability

Targeted risks

  • Argo Pro can write for companies of all sizes, ranging from

    sole proprietorships to large companies. Some risks for consideration:

    • Advertising services

    • Appraisers

    • Auctioneers

    • Business brokers

    • Claim adjusters

    • Collection agents

    • Employment agents

    • Financial consultants

    • Management consultants

    • Medical billers

    • Mortgage brokers

    • Payroll processing

    • Photographers

    • Printers

    • Property managers

    • Public relations services

    • Real estate agents/brokers

    • Referral services

    • Security guards

    • Talent agents

    • Third-party administrators

    • Title agents/abstractors

    • Travel agents/tour operators

    • Translators

Geographic availability

We can write on an admitted basis in the following states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Coverage is always subject to all of a policy’s terms and conditions. This is a summary of certain key aspects of coverage. Review the policy form for complete terms and conditions. Products are underwritten by U.S. insurers that are members of Argo Group. Some products are only available through an authorized surplus lines insurer.

Resources Updated

Contact

Craig Landi

President

201-680-7881

Daniel Gmelin

Senior Vice President, Underwriting, Head of Architects & Engineers and Miscellaneous Professional

732-692-6164

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