Professional & General Liability

Tailored solutions and separate limits for each coverage type, providing broader protection and enhanced flexibility for your unique needs. Professional Liability (MPL) is available on its own or packaged with General Liability (GL).

Small business owner in shirt and tie.

A look at the numbers

27%

Of business owners paid out of pocket for a liability claim because they lacked the right insurance*

$227K

Average cost of a MPL claim**

21%

Of business owners have or plan to buy professional liability insurance in the next twelve months*

* Forbes, Inflation is the biggest worry among small business owners **Chubb, Commercial E&O policy guide for agents and brokers

Built for small businesses

Thousands of small businesses use Counterpart’s insurance product offerings and risk management services to manage some of their most complicated risks

HR Consulting & Payment Processing

Consultant working with client at computer

Example

HR Consulting

State:

California

Limit:

$1,000,000

Retention:

$5,000

Premium:

$2,177

Title & Escrow

Title agent meeting with a client

Example

Title & Escrow

State:

Maryland

Limit:

$1,000,000

Retention:

$10,000

Premium:

$5,535

Consulting

Consultant meeting with a client

Example

Consulting

State:

Georgia

Limit:

$1,000,000

Retention:

$2,500

Premium:

$1,490

Transportation

Semi truck driving through desert roads

Example

Transportation

State:

New York

Limit:

$1,000,000

Retention:

$5,000

Premium:

$2,788

Home Inspection

Home inspector testing electrical wiring

Example

Home Inspection

State:

Minnesota

Limit:

$1,000,000

Retention:

$5,000

Premium:

$1,306

Real Estate

Realtor and client have a meeting

Example

Real Estate

State:

Alabama

Limit:

$1,000,000

Retention:

$1,000

Premium:

$1,158

Management Consulting

Consultants having a meeting in a conference room

Example

Management Consulting

State:

California

Limit:

$1,000,000

Retention:

$1,000

Premium:

$1,179

We cover 300 + more industries

Across all 50 states

State:

Limit:

Retention:

Premium:

What is covered?

Misrepresentation

A false statement or claim is made to entice another party into agreeing to the terms of a contract with your business

Negligence

Someone at your startup fails to use reasonable care, which results in financial damage to a person or entity

Breach of warranty

A promise is made to a client in a warranty and your company is unable to keep that promise

Product failures

Financial loss due to bugs and outages that impact the client or customer

Bodily Injury and Property Damage

Arising out of the performance of services or activities

+ Much more

And dozens of other coverages that are designed to help business grow with less risk

Download our full coverage & appetite guide

How we’re different

Modular Forms

Quote multiple limits, retentions, and coverage options across all coverages

Others

AM Best rating of A (Excellent)

Underwritten by industry leaders with one of the strongest credit ratings from A.M Best

Others
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Risk assessment

Generate custom risk assessments with proprietary insights into the exposures your clients may face

Others
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Multi-channel support

Get a quote in minutes, any where, and on any device via email, digital application, or API

Others
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Underwriter on-call

Get support from underwriters with over >120 years of collective experience

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We’re behind you

Brian Basili brings almost a decade of specialized experience in professional liability insurance underwriting, with a focus on both new business acquisitions and renewals. A versatile underwriter, Brian excels in creatively servicing complex customer needs, exceptional customer service, and strategic underwriting — proving his value in the fast-paced insurance industry.

Brian Basili
Risk Engineer, Counterpart

Claims Examples

Error

Cost: $250,000+

Time to resolve: 

1-2 years

Example

While working with a client, an insurance broker verbally recommended to the client’s representative that the company purchase additional coverage to protect itself against lawsuits by employees. No further discussion was had, and when the policy was renewed a few weeks later, the additional coverage was not purchased. Later that year, an employee filed a suit against the client company and was eventually resolved for an amount in excess of the client’s limits. The policyholder then sued the broker, claiming they were told their existing coverage was sufficient.

Underwritten by the world’s leading insurance providers

Counterpart's products are underwritten by Aspen Specialty Insurance Company (A.M. Best “A” Rating*) and Evanston Insurance Company, a Markel® Company (A.M. Best “A” Rating*)

Aspen InsuranceMarkel Insurance