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Miscellaneous & Media Professional Liability

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​​​​In this day and age, business professionals are held to a higher standard of accountability by sophisticated clients. Escalating claims expenses, judgments and awards make Professional Liability / Errors & Omissions coverage a necessity for today's professionals.  Whether yours is a small or large company, partnership, practice group or trade association, our team of experienced professional liability experts will tailor our products to meet your specific needs.

Policy Highlights:

  • Limit(s) of Liability available up to $25,000,000 CAD/USD

  • Reimbursement of reasonable lawyer fees in response to Disciplinary Proceedings – $25,000 (no deductible)

  • Pre-Claims Assistance coverage (no deductible)

  • Custom tailored definition of Professional Services

  • Broad definition of Claim (includes non-monetary relief, civil proceeding, arbitration, mediation, alternative dispute resolution)

  • Damages include punitive, exemplary and multiple portion of any multiple damages award, where insurable by law (most favourable jurisdiction)

  • Softened Bodily Injury / Property Damage Exclusion (“for” wording vs. absolute exclusion)

  • No personal injury Exclusion

  • Mediation Credit of 50% of the Insured's Deductible up to a maximum of $25,000

  • Insured vs. Insured exclusion carve-back for Professional Services offered to an employee in a Professional / Client relationship
  • 60 day automatic Extended Reporting Period

  • Softened Hammer Clause (50% / 50%)

  • Waiver of Subrogation where prior written agreement has been made between the Insured and their client to waive such rights

  • Full Worldwide coverage territory

  • Non-Cancellable by Liberty Mutual Canada, except for non-payment of premium



Ken LamConstruction Practice Leader36 Lam.jpgToronto, ONKen Lam leverages his underwriting expertise to solve problems and come up with custom risk management solutions and insurance coverage options for clients. “Liberty Mutual Canada pays close attention to each client’s unique circumstances and helps them identify and address their professional liability risk exposures,” says Ken, who works as a Construction Practice Leader with Liberty Mutual Canada’s Casualty and Specialty Casulaty departments. Ken notes that this customized approach is one of several traits that give Liberty Mutual Canada its distinctive edge in the marketplace. “We provide unique product and service choices to meet our clients’ individual specialty insurance needs, and to complement this we can offer custom tailored loss prevention and risk management education to our clients,” says Ken.416.307.4389Ken.Lam@Libertymutual.com Profiles/DispForm.aspx?ID=36Ken Lam







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Application - Miscellaneous Professional Liability Professional Liability Application - FINAL.docApplication - Miscellaneous Professional Liability

Miscellaneous & Media Professional Liability