Miscellaneous Professional Liability

From dog groomers to dietitians, Goldberg Segalla’s attorneys have defended scores of insureds in the burgeoning field of miscellaneous professional liability (MPL). Combining our extensive experience defending the traditional professions with proven practices for handling MPL claims — including quickly identifying the relevant standard of care and leveraging our deep contractual dispute capabilities — the Goldberg Segalla team has worked and won cases on the furthest edge of the MPL frontier since the policy line’s beginnings.

We also understand how the law fits — and, in many important ways, does not yet fit — this expansive and expanding category. The novel and continually evolving line of insurance and class of insureds is poised to equal, if not soon exceed, the traditional professional lines.  And as it grows, we’re proud of our continued work both in defending individual professionals and in helping insurers to understand, anticipate, and adapt to emerging exposures and trends in claims and litigation.

We have represented insured clients across a vast range of fields and industries, and our team is prepared to defend MPL claims for virtually any type of professional, including:

  • Adjusters
  • Answering service workers
  • Auctioneers
  • Advertising, promotions, and marketing professionals
  • Bill collectors
  • Credit counselors
  • Event planners
  • Executive recruiters
  • Exercise instructors
  • Financial advisors
  • Graphic designers
  • Human resource consultants
  • Interior decorators
  • Interpreters/translators
  • Life coaches
  • Market researchers
  • Management consultants
  • Mediators/arbitrators
  • Medical record and health information technicians
  • Nurses
  • Nutritionists
  • Pet groomers
  • Property managers
  • Tattoo artists and piercing technicians
  • Tax preparers
  • Third-party administrators
  • Ticket brokers
  • Translators
  • Travel agents
  • And many others

MPL Defense: Early Evaluation, Early Resolution

Striving to see ahead of emerging trends in MPL, we have developed an approach to defense that is founded on proven practices but flexible enough to be tailored to each case and client, and to evolve along with trends in policies, claims, statues, and judicial decision-making.

More than traditional professional liability claims, MPL claims typically combine standard of care (negligence) theory with contract claims and defenses. Also, unlike traditional claims, these often involve liquidated or otherwise easily reckoned damages. With veteran litigators and trial attorneys exceptionally experienced in representing, counseling, and defending in the field of traditional professional liability, our team is particularly adept at identifying the standard of care applicable to this new and ever-expanding class of service providers. This allows for very early assessment and evaluation, frequently leading to early resolution.

Shaping the Future of MPL Policies and Practices

Collaborating freely and frequently across the firm’s entire national footprint, we represent an immense experience bank that covers virtually the whole of the existing MPL class and all types of MPL claims seen to date. This is an invaluable resource when it comes to defending insured clients in MPL litigation anywhere in the U.S. — but our clients rely on us and our experience for much more than litigation.

Numerous national and regional insurance carriers have brought our attorneys in to lecture their underwriting and claims staff on MPL exposures, especially emerging exposures, and trends in claims and litigation. We also regularly publish on both claims-handling and MPL coverage — though our clients are always the first to benefit from our analysis and assessments of the latest trends.

Through our defense of insured and counsel for MPL insurers – as well as through our leadership in organizations like the Professional Liability Underwriting Society (PLUS), the Professional Liability Defense Federation (PLDF), the Claims and Litigation Management Alliance (CLM), and professional liability  committees of the American Bar Association (ABA) and DRI — we will continue to work at the forefront of MPL to improve defense, claims-handling, policy-writing, and where possible the law,  for the benefit of working “miscellaneous” professionals and their insurers across the nation.