Miscellaneous E&O | SIGNAL Underwriting

Product Fact Sheet

Errors and Omissions for Miscellaneous Professionals

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.

Misc E&O Application

Our target classes of business:

Misc E&O Fact Sheet

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:

$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