{"id":258,"date":"2024-12-07T05:43:05","date_gmt":"2024-12-07T05:43:05","guid":{"rendered":"https:\/\/34.85.178.93\/?page_id=258"},"modified":"2026-07-19T06:17:12","modified_gmt":"2026-07-19T06:17:12","slug":"professional-liability","status":"publish","type":"page","link":"https:\/\/musasinsurance.com\/?page_id=258","title":{"rendered":"Professional Liability"},"content":{"rendered":"\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button fotawp-scrollto-top is-style-button-hover-white-bgcolor\"><a class=\"wp-block-button__link has-foregound-alt-color has-tertiary-background-color has-text-color has-background wp-element-button\" style=\"border-radius:50%\">Scroll to Top<\/a><\/div>\n<\/div>\n\n\n\n<style data-wp-block-html=\"css\">\n\/* =========================================================\n   MAS INSURANCE\n   PROFESSIONAL LIABILITY PAGE\n   ========================================================= *\/\n\n.mas-professional-liability-page {\n    --mpl-blue: #006dff;\n    --mpl-blue-dark: #0053c7;\n    --mpl-blue-hover: #0058d9;\n    --mpl-navy: #102a43;\n    --mpl-text: #53657a;\n    --mpl-muted: #76879a;\n    --mpl-light-blue: #eaf3ff;\n    --mpl-soft-blue: #f6f9ff;\n    --mpl-border: #dfe9f5;\n    --mpl-white: #ffffff;\n    --mpl-purple: #775cff;\n\n    width: 100%;\n    overflow: hidden;\n    background: #ffffff;\n    color: var(--mpl-navy);\n}\n\n.mas-professional-liability-page *,\n.mas-professional-liability-page *::before,\n.mas-professional-liability-page *::after {\n    box-sizing: border-box;\n}\n\n.mas-professional-liability-page a {\n    text-decoration: none;\n}\n\n.mas-professional-liability-page img {\n    max-width: 100%;\n}\n\n\n\/* LABELS *\/\n\n.mpl-label {\n    display: inline-flex;\n    align-items: center;\n    gap: 9px;\n    margin-bottom: 22px;\n    padding: 10px 17px;\n    border: 1px solid rgba(0, 109, 255, 0.12);\n    border-radius: 999px;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n    font-size: 11px;\n    line-height: 1;\n    font-weight: 750;\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n}\n\n.mpl-label::before {\n    content: \"\";\n    width: 8px;\n    height: 8px;\n    flex: 0 0 8px;\n    border-radius: 50%;\n    background: var(--mpl-blue);\n    box-shadow: 0 0 0 5px rgba(0, 109, 255, 0.1);\n}\n\n.mpl-label-light {\n    border-color: rgba(255, 255, 255, 0.2);\n    background: rgba(255, 255, 255, 0.11);\n    color: #ffffff;\n}\n\n.mpl-label-light::before {\n    background: #ffffff;\n    box-shadow: 0 0 0 5px rgba(255, 255, 255, 0.12);\n}\n\n\n\/* BUTTONS *\/\n\n.mpl-button {\n    min-height: 58px;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 11px;\n    padding: 16px 27px;\n    border: 1px solid transparent;\n    border-radius: 14px;\n    font-size: 14px;\n    line-height: 1.2;\n    font-weight: 750;\n    text-align: center;\n    transition:\n        transform 0.25s ease,\n        background-color 0.25s ease,\n        border-color 0.25s ease,\n        color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mpl-button svg {\n    width: 19px;\n    height: 19px;\n    flex: 0 0 19px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 2;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mpl-button-primary {\n    background: var(--mpl-blue);\n    color: #ffffff;\n    box-shadow: 0 14px 30px rgba(0, 109, 255, 0.24);\n}\n\n.mpl-button-primary:hover {\n    background: var(--mpl-blue-hover);\n    color: #ffffff;\n    transform: translateY(-3px);\n    box-shadow: 0 19px 38px rgba(0, 109, 255, 0.29);\n}\n\n.mpl-button-secondary {\n    border-color: var(--mpl-border);\n    background: #ffffff;\n    color: var(--mpl-navy);\n    box-shadow: 0 9px 25px rgba(16, 42, 67, 0.07);\n}\n\n.mpl-button-secondary:hover {\n    border-color: rgba(0, 109, 255, 0.3);\n    background: var(--mpl-soft-blue);\n    color: var(--mpl-blue);\n    transform: translateY(-3px);\n}\n\n.mpl-button-white {\n    background: #ffffff;\n    color: var(--mpl-blue);\n    box-shadow: 0 16px 35px rgba(0, 0, 0, 0.12);\n}\n\n.mpl-button-white:hover {\n    color: var(--mpl-blue);\n    transform: translateY(-3px);\n    box-shadow: 0 21px 40px rgba(0, 0, 0, 0.16);\n}\n\n.mpl-button-glass {\n    border-color: rgba(255, 255, 255, 0.24);\n    background: rgba(255, 255, 255, 0.09);\n    color: #ffffff;\n}\n\n.mpl-button-glass:hover {\n    background: rgba(255, 255, 255, 0.16);\n    color: #ffffff;\n    transform: translateY(-3px);\n}\n\n\n\/* HERO *\/\n\n.mpl-hero {\n    position: relative;\n    padding: 100px 30px 92px;\n    background:\n        radial-gradient(\n            circle at 91% 9%,\n            rgba(119, 92, 255, 0.13),\n            transparent 29%\n        ),\n        radial-gradient(\n            circle at 82% 42%,\n            rgba(0, 109, 255, 0.08),\n            transparent 34%\n        ),\n        linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);\n}\n\n.mpl-hero::before {\n    content: \"\";\n    position: absolute;\n    top: -270px;\n    right: -200px;\n    width: 650px;\n    height: 650px;\n    border: 1px solid rgba(0, 109, 255, 0.07);\n    border-radius: 50%;\n    pointer-events: none;\n}\n\n.mpl-hero::after {\n    content: \"\";\n    position: absolute;\n    bottom: 55px;\n    left: -170px;\n    width: 370px;\n    height: 370px;\n    border-radius: 50%;\n    background: radial-gradient(\n        circle,\n        rgba(119, 92, 255, 0.06),\n        transparent 69%\n    );\n    pointer-events: none;\n}\n\n.mpl-hero-container {\n    position: relative;\n    z-index: 2;\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 0.94fr) minmax(500px, 1.06fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mpl-hero-content h1 {\n    max-width: 810px;\n    margin: 0 0 25px;\n    color: var(--mpl-navy);\n    font-size: clamp(52px, 5.3vw, 76px);\n    line-height: 0.99;\n    font-weight: 830;\n    letter-spacing: -0.055em;\n}\n\n.mpl-hero-content h1 span {\n    display: block;\n    color: var(--mpl-blue);\n}\n\n.mpl-hero-content > p {\n    max-width: 690px;\n    margin: 0 0 34px;\n    color: var(--mpl-text);\n    font-size: 19px;\n    line-height: 1.75;\n}\n\n.mpl-hero-buttons {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 14px;\n    margin-bottom: 31px;\n}\n\n.mpl-hero-trust {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 13px 22px;\n}\n\n.mpl-hero-trust span {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n    color: #617286;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mpl-hero-trust i {\n    width: 22px;\n    height: 22px;\n    display: grid;\n    flex: 0 0 22px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n    font-size: 12px;\n    font-style: normal;\n    font-weight: 800;\n}\n\n\n\/* HERO VISUAL *\/\n\n.mpl-hero-visual {\n    position: relative;\n    min-height: 590px;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n}\n\n.mpl-hero-shape {\n    position: absolute;\n    width: 84%;\n    aspect-ratio: 1;\n    border-radius: 42% 58% 61% 39% \/ 47% 40% 60% 53%;\n    background:\n        linear-gradient(\n            145deg,\n            rgba(119, 92, 255, 0.17),\n            rgba(0, 109, 255, 0.08)\n        );\n    transform: rotate(-4deg);\n}\n\n.mpl-hero-shape::before {\n    content: \"\";\n    position: absolute;\n    inset: 30px;\n    border: 1px solid rgba(119, 92, 255, 0.13);\n    border-radius: inherit;\n}\n\n.mpl-hero-image {\n    position: relative;\n    z-index: 2;\n    display: block;\n    width: 102%;\n    max-width: 700px;\n    height: auto;\n    object-fit: contain;\n    filter: drop-shadow(0 38px 31px rgba(49, 48, 120, 0.17));\n    transition: transform 0.45s ease;\n}\n\n.mpl-hero-visual:hover .mpl-hero-image {\n    transform: translateY(-7px);\n}\n\n\n\/* FLOATING CARDS *\/\n\n.mpl-floating-card {\n    position: absolute;\n    z-index: 4;\n    min-width: 225px;\n    display: flex;\n    align-items: center;\n    gap: 11px;\n    padding: 15px 17px;\n    border: 1px solid rgba(255, 255, 255, 0.85);\n    border-radius: 17px;\n    background: rgba(255, 255, 255, 0.9);\n    box-shadow: 0 20px 45px rgba(16, 42, 67, 0.13);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n    animation: mplFloat 5s ease-in-out infinite;\n}\n\n.mpl-floating-card small {\n    display: block;\n    margin-bottom: 3px;\n    color: #7c8b9d;\n    font-size: 9px;\n    font-weight: 700;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n}\n\n.mpl-floating-card span:last-child {\n    color: var(--mpl-navy);\n    font-size: 12px;\n    line-height: 1.35;\n    font-weight: 750;\n}\n\n.mpl-floating-icon {\n    width: 43px;\n    height: 43px;\n    display: grid;\n    flex: 0 0 43px;\n    place-items: center;\n    border-radius: 12px;\n    background:\n        linear-gradient(\n            145deg,\n            var(--mpl-light-blue),\n            #f1edff\n        );\n    color: var(--mpl-blue);\n    font-size: 10px;\n    font-weight: 850;\n}\n\n.mpl-floating-icon svg {\n    width: 22px;\n    height: 22px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mpl-floating-top {\n    top: 65px;\n    left: -20px;\n}\n\n.mpl-floating-bottom {\n    right: -10px;\n    bottom: 67px;\n    animation-delay: 1.8s;\n}\n\n@keyframes mplFloat {\n    0%,\n    100% {\n        transform: translateY(0);\n    }\n\n    50% {\n        transform: translateY(-9px);\n    }\n}\n\n\n\/* BENEFITS *\/\n\n.mpl-benefits {\n    padding: 0 30px 90px;\n    background: #f8fbff;\n}\n\n.mpl-benefits-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    overflow: hidden;\n    border: 1px solid var(--mpl-border);\n    border-radius: 24px;\n    background: #ffffff;\n    box-shadow: 0 22px 65px rgba(16, 42, 67, 0.07);\n}\n\n.mpl-benefit {\n    display: flex;\n    align-items: flex-start;\n    gap: 16px;\n    padding: 31px;\n}\n\n.mpl-benefit + .mpl-benefit {\n    border-left: 1px solid var(--mpl-border);\n}\n\n.mpl-benefit-icon {\n    width: 49px;\n    height: 49px;\n    display: grid;\n    flex: 0 0 49px;\n    place-items: center;\n    border-radius: 14px;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n}\n\n.mpl-benefit-icon svg {\n    width: 23px;\n    height: 23px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mpl-benefit h3 {\n    margin: 1px 0 7px;\n    color: var(--mpl-navy);\n    font-size: 17px;\n}\n\n.mpl-benefit p {\n    margin: 0;\n    color: var(--mpl-text);\n    font-size: 13px;\n    line-height: 1.65;\n}\n\n\n\/* SHARED SECTIONS *\/\n\n.mpl-section {\n    padding: 110px 30px;\n}\n\n.mpl-section-heading {\n    max-width: 890px;\n    margin: 0 auto 55px;\n    text-align: center;\n}\n\n.mpl-section-heading h2,\n.mpl-faq-heading h2 {\n    margin: 0 0 20px;\n    color: var(--mpl-navy);\n    font-size: clamp(42px, 4.5vw, 61px);\n    line-height: 1.04;\n    font-weight: 820;\n    letter-spacing: -0.048em;\n}\n\n.mpl-section-heading h2 span {\n    color: var(--mpl-blue);\n}\n\n.mpl-section-heading p,\n.mpl-faq-heading > p {\n    margin: 0;\n    color: var(--mpl-text);\n    font-size: 17px;\n    line-height: 1.72;\n}\n\n\n\/* INTRO *\/\n\n.mpl-intro {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mpl-intro-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(420px, 0.82fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mpl-intro-content h2 {\n    max-width: 760px;\n    margin: 0 0 22px;\n    color: var(--mpl-navy);\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mpl-intro-content h2 span {\n    display: block;\n    color: var(--mpl-blue);\n}\n\n.mpl-intro-content > p {\n    max-width: 700px;\n    margin: 0 0 17px;\n    color: var(--mpl-text);\n    font-size: 16px;\n    line-height: 1.75;\n}\n\n.mpl-intro-points,\n.mpl-contract-points,\n.mpl-claims-points,\n.mpl-management-points {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 13px 20px;\n}\n\n.mpl-intro-points {\n    margin: 29px 0 32px;\n}\n\n.mpl-intro-points span,\n.mpl-contract-points span,\n.mpl-claims-points span,\n.mpl-management-points span {\n    display: flex;\n    align-items: center;\n    gap: 9px;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mpl-intro-points span,\n.mpl-contract-points span {\n    color: var(--mpl-text);\n}\n\n.mpl-intro-points i,\n.mpl-contract-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n    font-size: 11px;\n    font-style: normal;\n}\n\n\n\/* RISK CARD *\/\n\n.mpl-risk-card {\n    padding: 38px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 26px;\n    background: linear-gradient(145deg, #ffffff, #f5f9ff);\n    box-shadow: 0 25px 65px rgba(16, 42, 67, 0.09);\n}\n\n.mpl-card-label {\n    display: block;\n    margin-bottom: 13px;\n    color: var(--mpl-blue);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mpl-risk-card h3 {\n    margin: 0 0 27px;\n    color: var(--mpl-navy);\n    font-size: 30px;\n    line-height: 1.12;\n}\n\n.mpl-risk-list {\n    display: grid;\n    gap: 14px;\n}\n\n.mpl-risk-list > div {\n    display: flex;\n    align-items: center;\n    gap: 13px;\n    padding-bottom: 14px;\n    border-bottom: 1px solid var(--mpl-border);\n}\n\n.mpl-risk-list > div:last-child {\n    padding-bottom: 0;\n    border-bottom: 0;\n}\n\n.mpl-risk-list span {\n    width: 33px;\n    height: 33px;\n    display: grid;\n    flex: 0 0 33px;\n    place-items: center;\n    border-radius: 10px;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n    font-size: 9px;\n    font-weight: 800;\n}\n\n.mpl-risk-list p {\n    margin: 0;\n    color: var(--mpl-text);\n    font-size: 13px;\n}\n\n\n\/* PROFESSIONS *\/\n\n.mpl-professions {\n    background: var(--mpl-soft-blue);\n}\n\n.mpl-profession-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mpl-profession-card {\n    position: relative;\n    min-height: 405px;\n    padding: 31px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 23px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mpl-profession-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-6px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mpl-profession-number {\n    position: absolute;\n    top: 29px;\n    right: 29px;\n    color: #c7d7e8;\n    font-size: 11px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mpl-profession-icon,\n.mpl-contract-icon {\n    display: grid;\n    place-items: center;\n    border-radius: 15px;\n    background:\n        linear-gradient(\n            145deg,\n            var(--mpl-light-blue),\n            #f1edff\n        );\n    color: var(--mpl-blue);\n    font-size: 11px;\n    font-weight: 850;\n}\n\n.mpl-profession-icon {\n    width: 53px;\n    height: 53px;\n    margin-bottom: 36px;\n}\n\n.mpl-profession-card h3 {\n    margin: 0 0 12px;\n    color: var(--mpl-navy);\n    font-size: 20px;\n}\n\n.mpl-profession-card > p {\n    margin: 0 0 22px;\n    color: var(--mpl-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n.mpl-profession-card ul,\n.mpl-comparison-card ul {\n    display: grid;\n    gap: 11px;\n    margin: 0;\n    padding: 0;\n    list-style: none;\n}\n\n.mpl-profession-card li,\n.mpl-comparison-card li {\n    position: relative;\n    padding-left: 25px;\n    color: var(--mpl-text);\n    font-size: 12px;\n    line-height: 1.5;\n}\n\n.mpl-profession-card li::before,\n.mpl-comparison-card li::before {\n    content: \"\u2713\";\n    position: absolute;\n    top: 0;\n    left: 0;\n    width: 18px;\n    height: 18px;\n    display: grid;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n    font-size: 9px;\n    font-weight: 850;\n}\n\n\n\/* COVERAGES *\/\n\n.mpl-coverages {\n    background: #ffffff;\n}\n\n.mpl-coverage-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 20px;\n}\n\n.mpl-coverage-card {\n    display: flex;\n    flex-direction: column;\n    min-height: 350px;\n    padding: 31px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 23px;\n    background: linear-gradient(145deg, #ffffff, #f9fbff);\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mpl-coverage-card:hover {\n    border-color: rgba(0, 109, 255, 0.25);\n    transform: translateY(-7px);\n    box-shadow: 0 24px 54px rgba(16, 42, 67, 0.1);\n}\n\n.mpl-coverage-icon,\n.mpl-comparison-icon,\n.mpl-process-icon {\n    display: grid;\n    place-items: center;\n    border-radius: 15px;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n}\n\n.mpl-coverage-icon {\n    width: 53px;\n    height: 53px;\n    margin-bottom: 26px;\n}\n\n.mpl-coverage-icon svg,\n.mpl-comparison-icon svg,\n.mpl-process-icon svg {\n    width: 25px;\n    height: 25px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mpl-coverage-card h3 {\n    margin: 0 0 12px;\n    color: var(--mpl-navy);\n    font-size: 20px;\n}\n\n.mpl-coverage-card p {\n    flex: 1;\n    margin: 0 0 23px;\n    color: var(--mpl-text);\n    font-size: 14px;\n    line-height: 1.68;\n}\n\n.mpl-coverage-example {\n    padding-top: 16px;\n    border-top: 1px solid var(--mpl-border);\n    color: var(--mpl-blue);\n    font-size: 11px;\n    line-height: 1.55;\n    font-weight: 700;\n}\n\n\n\/* COMPARISON *\/\n\n.mpl-comparison {\n    background: var(--mpl-soft-blue);\n}\n\n.mpl-comparison-grid {\n    width: 100%;\n    max-width: 1080px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 22px;\n}\n\n.mpl-comparison-card {\n    position: relative;\n    min-height: 510px;\n    padding: 39px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 26px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mpl-comparison-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-7px);\n    box-shadow: 0 25px 60px rgba(16, 42, 67, 0.1);\n}\n\n.mpl-comparison-featured {\n    border-color: rgba(0, 109, 255, 0.5);\n    box-shadow: 0 24px 60px rgba(0, 109, 255, 0.12);\n}\n\n.mpl-comparison-badge {\n    display: inline-flex;\n    margin-bottom: 30px;\n    padding: 8px 13px;\n    border-radius: 999px;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n    font-size: 9px;\n    font-weight: 800;\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n}\n\n.mpl-comparison-icon {\n    width: 58px;\n    height: 58px;\n    margin-bottom: 32px;\n}\n\n.mpl-comparison-card h3 {\n    margin: 0 0 15px;\n    color: var(--mpl-navy);\n    font-size: 27px;\n}\n\n.mpl-comparison-card > p {\n    margin: 0 0 26px;\n    color: var(--mpl-text);\n    font-size: 14px;\n    line-height: 1.72;\n}\n\n\n\/* SCENARIOS *\/\n\n.mpl-scenarios {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 84% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(135deg, #006dff 0%, #0053c7 100%);\n}\n\n.mpl-scenarios-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n}\n\n.mpl-scenarios-heading {\n    max-width: 820px;\n    margin-bottom: 50px;\n}\n\n.mpl-scenarios-heading h2 {\n    margin: 0 0 19px;\n    color: #ffffff;\n    font-size: clamp(42px, 4.2vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mpl-scenarios-heading p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mpl-scenario-grid {\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 16px;\n}\n\n.mpl-scenario-grid article {\n    display: flex;\n    flex-direction: column;\n    min-height: 315px;\n    padding: 29px;\n    border: 1px solid rgba(255, 255, 255, 0.18);\n    border-radius: 21px;\n    background: rgba(255, 255, 255, 0.1);\n    backdrop-filter: blur(12px);\n    -webkit-backdrop-filter: blur(12px);\n    transition:\n        transform 0.3s ease,\n        background-color 0.3s ease;\n}\n\n.mpl-scenario-grid article:hover {\n    background: rgba(255, 255, 255, 0.15);\n    transform: translateY(-5px);\n}\n\n.mpl-scenario-number {\n    display: block;\n    margin-bottom: 37px;\n    color: rgba(255, 255, 255, 0.55);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mpl-scenario-grid h3 {\n    margin: 0 0 11px;\n    color: #ffffff;\n    font-size: 19px;\n}\n\n.mpl-scenario-grid p {\n    flex: 1;\n    margin: 0 0 20px;\n    color: rgba(255, 255, 255, 0.72);\n    font-size: 12px;\n    line-height: 1.68;\n}\n\n.mpl-scenario-grid strong {\n    color: #ffffff;\n    font-size: 11px;\n    line-height: 1.5;\n}\n\n\n\/* CLAIMS MADE *\/\n\n.mpl-claims-made {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 18% 80%,\n            rgba(255, 255, 255, 0.1),\n            transparent 30%\n        ),\n        linear-gradient(135deg, #102a43 0%, #123f6a 100%);\n}\n\n.mpl-claims-made-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(420px, 0.82fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mpl-claims-made-content h2 {\n    max-width: 720px;\n    margin: 0 0 21px;\n    color: #ffffff;\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mpl-claims-made-content > p {\n    max-width: 690px;\n    margin: 0 0 31px;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 17px;\n    line-height: 1.75;\n}\n\n.mpl-claims-points span,\n.mpl-management-points span {\n    color: #ffffff;\n}\n\n.mpl-claims-points i,\n.mpl-management-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: rgba(255, 255, 255, 0.14);\n    color: #ffffff;\n    font-size: 11px;\n    font-style: normal;\n}\n\n.mpl-timeline-panel {\n    padding: 38px;\n    border: 1px solid rgba(255, 255, 255, 0.17);\n    border-radius: 26px;\n    background: rgba(255, 255, 255, 0.09);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n}\n\n.mpl-timeline-label {\n    display: block;\n    margin-bottom: 22px;\n    color: rgba(255, 255, 255, 0.62);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mpl-timeline {\n    display: grid;\n    gap: 13px;\n}\n\n.mpl-timeline article {\n    position: relative;\n    padding: 18px 18px 18px 61px;\n    border: 1px solid rgba(255, 255, 255, 0.12);\n    border-radius: 15px;\n    background: rgba(255, 255, 255, 0.07);\n}\n\n.mpl-timeline article > span {\n    position: absolute;\n    top: 18px;\n    left: 17px;\n    width: 30px;\n    height: 30px;\n    display: grid;\n    place-items: center;\n    border-radius: 9px;\n    background: rgba(255, 255, 255, 0.14);\n    color: #ffffff;\n    font-size: 9px;\n    font-weight: 800;\n}\n\n.mpl-timeline strong {\n    display: block;\n    margin-bottom: 6px;\n    color: #ffffff;\n    font-size: 14px;\n}\n\n.mpl-timeline p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.67);\n    font-size: 11px;\n    line-height: 1.6;\n}\n\n\n\/* CONTRACTS *\/\n\n.mpl-contracts {\n    background: var(--mpl-soft-blue);\n}\n\n.mpl-contract-layout {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1.15fr) minmax(340px, 0.85fr);\n    gap: 24px;\n}\n\n.mpl-contract-main {\n    padding: 48px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 27px;\n    background: #ffffff;\n    box-shadow: 0 25px 65px rgba(16, 42, 67, 0.07);\n}\n\n.mpl-contract-main h3 {\n    max-width: 700px;\n    margin: 0 0 20px;\n    color: var(--mpl-navy);\n    font-size: clamp(38px, 3.7vw, 52px);\n    line-height: 1.06;\n    font-weight: 820;\n    letter-spacing: -0.045em;\n}\n\n.mpl-contract-main > p {\n    margin: 0 0 26px;\n    color: var(--mpl-text);\n    font-size: 15px;\n    line-height: 1.75;\n}\n\n.mpl-contract-side {\n    display: grid;\n    gap: 20px;\n}\n\n.mpl-contract-side article {\n    padding: 34px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 24px;\n    background: #ffffff;\n}\n\n.mpl-contract-icon {\n    width: 50px;\n    height: 50px;\n    margin-bottom: 28px;\n}\n\n.mpl-contract-side h3 {\n    margin: 0 0 11px;\n    color: var(--mpl-navy);\n    font-size: 20px;\n}\n\n.mpl-contract-side p {\n    margin: 0;\n    color: var(--mpl-text);\n    font-size: 13px;\n    line-height: 1.7;\n}\n\n\n\/* UNDERWRITING *\/\n\n.mpl-underwriting {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mpl-underwriting-container,\n.mpl-quote-info-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.75fr) minmax(0, 1.25fr);\n    align-items: start;\n    gap: 70px;\n}\n\n.mpl-underwriting-content,\n.mpl-quote-heading {\n    position: sticky;\n    top: 40px;\n}\n\n.mpl-underwriting-content h2,\n.mpl-quote-heading h2 {\n    margin: 0 0 19px;\n    color: var(--mpl-navy);\n    font-size: clamp(42px, 4vw, 58px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mpl-underwriting-content p,\n.mpl-quote-heading p {\n    margin: 0 0 29px;\n    color: var(--mpl-text);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mpl-underwriting-grid,\n.mpl-requirements-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 17px;\n}\n\n.mpl-underwriting-grid article,\n.mpl-requirement {\n    min-height: 220px;\n    padding: 28px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 21px;\n}\n\n.mpl-underwriting-grid article {\n    background: linear-gradient(145deg, #ffffff, #f9fbff);\n}\n\n.mpl-underwriting-grid article > span,\n.mpl-requirement > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mpl-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mpl-underwriting-grid h3,\n.mpl-requirement h3 {\n    margin: 0 0 10px;\n    color: var(--mpl-navy);\n    font-size: 18px;\n}\n\n.mpl-underwriting-grid p,\n.mpl-requirement p {\n    margin: 0;\n    color: var(--mpl-text);\n    font-size: 12px;\n    line-height: 1.65;\n}\n\n\n\/* RISK MANAGEMENT *\/\n\n.mpl-risk-management {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 84% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(135deg, #006dff 0%, #0053c7 100%);\n}\n\n.mpl-risk-management-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(420px, 0.8fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mpl-risk-management-content h2 {\n    max-width: 720px;\n    margin: 0 0 21px;\n    color: #ffffff;\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mpl-risk-management-content > p {\n    max-width: 690px;\n    margin: 0 0 31px;\n    color: rgba(255, 255, 255, 0.78);\n    font-size: 17px;\n    line-height: 1.75;\n}\n\n.mpl-management-panel {\n    padding: 38px;\n    border: 1px solid rgba(255, 255, 255, 0.19);\n    border-radius: 26px;\n    background: rgba(255, 255, 255, 0.11);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n}\n\n.mpl-management-panel-label {\n    display: block;\n    margin-bottom: 22px;\n    color: rgba(255, 255, 255, 0.65);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mpl-management-score {\n    display: flex;\n    align-items: center;\n    gap: 17px;\n    margin-bottom: 21px;\n}\n\n.mpl-management-score strong {\n    width: 76px;\n    height: 76px;\n    display: grid;\n    flex: 0 0 76px;\n    place-items: center;\n    border-radius: 20px;\n    background: rgba(255, 255, 255, 0.15);\n    color: #ffffff;\n    font-size: 23px;\n    letter-spacing: -0.04em;\n}\n\n.mpl-management-score span {\n    color: #ffffff;\n    font-size: 22px;\n    line-height: 1.2;\n    font-weight: 750;\n}\n\n.mpl-management-panel > p {\n    margin: 0 0 25px;\n    color: rgba(255, 255, 255, 0.74);\n    font-size: 13px;\n    line-height: 1.7;\n}\n\n.mpl-management-list {\n    display: grid;\n    gap: 11px;\n}\n\n.mpl-management-list span {\n    padding: 12px 14px;\n    border: 1px solid rgba(255, 255, 255, 0.13);\n    border-radius: 12px;\n    background: rgba(255, 255, 255, 0.07);\n    color: rgba(255, 255, 255, 0.84);\n    font-size: 12px;\n}\n\n\n\/* PROCESS *\/\n\n.mpl-process {\n    background: var(--mpl-soft-blue);\n}\n\n.mpl-process-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 20px;\n}\n\n.mpl-process-card {\n    position: relative;\n    min-height: 350px;\n    padding: 32px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 23px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mpl-process-card:hover {\n    border-color: rgba(0, 109, 255, 0.23);\n    transform: translateY(-7px);\n    box-shadow: 0 24px 54px rgba(16, 42, 67, 0.1);\n}\n\n.mpl-process-number {\n    position: absolute;\n    top: 28px;\n    right: 28px;\n    color: #c7d7e8;\n    font-size: 12px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mpl-process-icon {\n    width: 55px;\n    height: 55px;\n    margin-bottom: 50px;\n}\n\n.mpl-process-card h3 {\n    margin: 0 0 13px;\n    color: var(--mpl-navy);\n    font-size: 21px;\n}\n\n.mpl-process-card p {\n    margin: 0 0 23px;\n    color: var(--mpl-text);\n    font-size: 13px;\n    line-height: 1.72;\n}\n\n.mpl-process-card a {\n    display: inline-flex;\n    align-items: center;\n    gap: 8px;\n    color: var(--mpl-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n\n\/* QUOTE INFO *\/\n\n.mpl-quote-info {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mpl-requirement {\n    background: var(--mpl-soft-blue);\n}\n\n\n\/* LIMITATIONS *\/\n\n.mpl-limitations {\n    background: var(--mpl-soft-blue);\n}\n\n.mpl-limitation-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mpl-limitation-grid article {\n    min-height: 260px;\n    padding: 29px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 22px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mpl-limitation-grid article:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-5px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mpl-limitation-grid article > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mpl-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mpl-limitation-grid h3 {\n    margin: 0 0 11px;\n    color: var(--mpl-navy);\n    font-size: 19px;\n}\n\n.mpl-limitation-grid p {\n    margin: 0;\n    color: var(--mpl-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n\n\/* CTA *\/\n\n.mpl-cta {\n    padding: 40px 30px;\n    background: #ffffff;\n}\n\n.mpl-cta-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    padding: 65px 70px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 45px;\n    overflow: hidden;\n    border-radius: 30px;\n    background:\n        radial-gradient(\n            circle at 90% 0%,\n            rgba(255, 255, 255, 0.14),\n            transparent 29%\n        ),\n        linear-gradient(135deg, #006dff, #004ebc);\n    box-shadow: 0 30px 75px rgba(0, 88, 217, 0.21);\n}\n\n.mpl-cta-container h2 {\n    max-width: 740px;\n    margin: 0 0 15px;\n    color: #ffffff;\n    font-size: clamp(38px, 4vw, 55px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.045em;\n}\n\n.mpl-cta-container p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 15px;\n    line-height: 1.65;\n}\n\n.mpl-cta-container p a {\n    color: #ffffff;\n    font-weight: 750;\n}\n\n.mpl-cta-buttons {\n    display: flex;\n    flex: 0 0 auto;\n    flex-direction: column;\n    gap: 12px;\n}\n\n\n\/* FAQ *\/\n\n.mpl-faq {\n    background: #ffffff;\n}\n\n.mpl-faq-layout {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.78fr) minmax(0, 1.22fr);\n    align-items: start;\n    gap: 75px;\n}\n\n.mpl-help-card {\n    margin-top: 30px;\n    padding: 25px;\n    border: 1px solid var(--mpl-border);\n    border-radius: 19px;\n    background: var(--mpl-soft-blue);\n}\n\n.mpl-help-card span,\n.mpl-help-card strong {\n    display: block;\n}\n\n.mpl-help-card span {\n    margin-bottom: 7px;\n    color: var(--mpl-muted);\n    font-size: 11px;\n}\n\n.mpl-help-card strong {\n    margin-bottom: 14px;\n    color: var(--mpl-navy);\n    font-size: 15px;\n}\n\n.mpl-help-card a {\n    color: var(--mpl-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n.mpl-faq-list {\n    display: grid;\n    gap: 13px;\n}\n\n.mpl-faq-list details {\n    border: 1px solid var(--mpl-border);\n    border-radius: 17px;\n    background: #ffffff;\n    transition:\n        border-color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mpl-faq-list details[open] {\n    border-color: rgba(0, 109, 255, 0.24);\n    box-shadow: 0 17px 40px rgba(16, 42, 67, 0.07);\n}\n\n.mpl-faq-list summary {\n    min-height: 74px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 25px;\n    padding: 20px 23px;\n    color: var(--mpl-navy);\n    font-size: 14px;\n    line-height: 1.4;\n    font-weight: 750;\n    cursor: pointer;\n    list-style: none;\n}\n\n.mpl-faq-list summary::-webkit-details-marker {\n    display: none;\n}\n\n.mpl-faq-list summary span {\n    width: 29px;\n    height: 29px;\n    display: grid;\n    flex: 0 0 29px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mpl-light-blue);\n    color: var(--mpl-blue);\n    font-size: 18px;\n    font-weight: 500;\n    transition: transform 0.25s ease;\n}\n\n.mpl-faq-list details[open] summary span {\n    transform: rotate(45deg);\n}\n\n.mpl-faq-list details > div {\n    padding: 0 23px 23px;\n    color: var(--mpl-text);\n    font-size: 13px;\n    line-height: 1.75;\n}\n\n\n\/* SMALL DESKTOP *\/\n\n@media (max-width: 1100px) {\n\n    .mpl-hero-container {\n        grid-template-columns: minmax(0, 0.95fr) minmax(430px, 1.05fr);\n        gap: 40px;\n    }\n\n    .mpl-profession-grid,\n    .mpl-coverage-grid,\n    .mpl-limitation-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mpl-scenario-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mpl-claims-made-container,\n    .mpl-risk-management-container {\n        gap: 45px;\n    }\n\n    .mpl-cta-container {\n        padding: 55px 45px;\n    }\n}\n\n\n\/* TABLET *\/\n\n@media (max-width: 900px) {\n\n    .mpl-hero {\n        padding: 75px 22px 70px;\n    }\n\n    .mpl-hero-container,\n    .mpl-intro-container,\n    .mpl-claims-made-container,\n    .mpl-contract-layout,\n    .mpl-underwriting-container,\n    .mpl-risk-management-container,\n    .mpl-quote-info-container,\n    .mpl-faq-layout {\n        grid-template-columns: 1fr;\n    }\n\n    .mpl-hero-content {\n        max-width: 780px;\n        margin: 0 auto;\n        text-align: center;\n    }\n\n    .mpl-hero-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mpl-hero-buttons,\n    .mpl-hero-trust {\n        justify-content: center;\n    }\n\n    .mpl-hero-visual {\n        min-height: 510px;\n    }\n\n    .mpl-benefits-container {\n        grid-template-columns: 1fr;\n    }\n\n    .mpl-benefit + .mpl-benefit {\n        border-top: 1px solid var(--mpl-border);\n        border-left: 0;\n    }\n\n    .mpl-section,\n    .mpl-intro,\n    .mpl-scenarios,\n    .mpl-claims-made,\n    .mpl-underwriting,\n    .mpl-risk-management,\n    .mpl-quote-info {\n        padding: 85px 22px;\n    }\n\n    .mpl-comparison-grid {\n        grid-template-columns: 1fr;\n        max-width: 650px;\n    }\n\n    .mpl-claims-made-content,\n    .mpl-risk-management-content {\n        text-align: center;\n    }\n\n    .mpl-claims-made-content h2,\n    .mpl-claims-made-content > p,\n    .mpl-risk-management-content h2,\n    .mpl-risk-management-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mpl-claims-points,\n    .mpl-management-points {\n        max-width: 680px;\n        margin-right: auto;\n        margin-left: auto;\n        text-align: left;\n    }\n\n    .mpl-underwriting-content,\n    .mpl-quote-heading {\n        position: static;\n        max-width: 720px;\n        text-align: center;\n    }\n\n    .mpl-process-grid {\n        grid-template-columns: 1fr;\n        max-width: 650px;\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mpl-cta-container {\n        flex-direction: column;\n        text-align: center;\n    }\n\n    .mpl-cta-buttons {\n        width: 100%;\n        max-width: 470px;\n    }\n}\n\n\n\/* MOBILE *\/\n\n@media (max-width: 650px) {\n\n    .mpl-hero {\n        padding: 60px 17px 52px;\n    }\n\n    .mpl-hero-content h1 {\n        font-size: 44px;\n    }\n\n    .mpl-hero-content > p {\n        font-size: 16px;\n        line-height: 1.66;\n    }\n\n    .mpl-hero-buttons {\n        display: grid;\n        grid-template-columns: 1fr;\n    }\n\n    .mpl-button {\n        width: 100%;\n    }\n\n    .mpl-hero-trust {\n        width: fit-content;\n        display: grid;\n        justify-content: start;\n        margin: 0 auto;\n        text-align: left;\n    }\n\n    .mpl-hero-visual {\n        min-height: 385px;\n    }\n\n    .mpl-hero-image {\n        width: 115%;\n    }\n\n    .mpl-floating-card {\n        display: none;\n    }\n\n    .mpl-benefits {\n        padding: 0 17px 70px;\n    }\n\n    .mpl-benefit {\n        padding: 25px 22px;\n    }\n\n    .mpl-section,\n    .mpl-intro,\n    .mpl-scenarios,\n    .mpl-claims-made,\n    .mpl-underwriting,\n    .mpl-risk-management,\n    .mpl-quote-info {\n        padding: 70px 17px;\n    }\n\n    .mpl-section-heading {\n        margin-bottom: 40px;\n    }\n\n    .mpl-section-heading h2,\n    .mpl-faq-heading h2,\n    .mpl-intro-content h2,\n    .mpl-scenarios-heading h2,\n    .mpl-claims-made-content h2,\n    .mpl-underwriting-content h2,\n    .mpl-risk-management-content h2,\n    .mpl-quote-heading h2,\n    .mpl-contract-main h3 {\n        font-size: 39px;\n    }\n\n    .mpl-section-heading p,\n    .mpl-faq-heading > p,\n    .mpl-intro-content > p,\n    .mpl-scenarios-heading p,\n    .mpl-claims-made-content > p,\n    .mpl-risk-management-content > p {\n        font-size: 15px;\n    }\n\n    .mpl-intro-points,\n    .mpl-profession-grid,\n    .mpl-coverage-grid,\n    .mpl-scenario-grid,\n    .mpl-claims-points,\n    .mpl-contract-points,\n    .mpl-underwriting-grid,\n    .mpl-management-points,\n    .mpl-requirements-grid,\n    .mpl-limitation-grid {\n        grid-template-columns: 1fr;\n    }\n\n    .mpl-risk-card,\n    .mpl-timeline-panel,\n    .mpl-contract-main,\n    .mpl-contract-side article,\n    .mpl-management-panel {\n        padding: 29px 23px;\n    }\n\n    .mpl-profession-card,\n    .mpl-coverage-card,\n    .mpl-comparison-card,\n    .mpl-scenario-grid article,\n    .mpl-underwriting-grid article,\n    .mpl-requirement,\n    .mpl-limitation-grid article {\n        min-height: auto;\n    }\n\n    .mpl-comparison-card {\n        padding: 31px 25px;\n    }\n\n    .mpl-cta {\n        padding: 25px 17px;\n    }\n\n    .mpl-cta-container {\n        padding: 47px 23px;\n        border-radius: 24px;\n    }\n\n    .mpl-cta-container h2 {\n        font-size: 39px;\n    }\n\n    .mpl-faq-list summary {\n        padding: 19px;\n        font-size: 13px;\n    }\n\n    .mpl-faq-list details > div {\n        padding: 0 19px 20px;\n    }\n}\n\n\n\/* VERY SMALL MOBILE *\/\n\n@media (max-width: 420px) {\n\n    .mpl-hero-content h1 {\n        font-size: 39px;\n    }\n\n    .mpl-section-heading h2,\n    .mpl-faq-heading h2,\n    .mpl-intro-content h2,\n    .mpl-scenarios-heading h2,\n    .mpl-claims-made-content h2,\n    .mpl-underwriting-content h2,\n    .mpl-risk-management-content h2,\n    .mpl-quote-heading h2,\n    .mpl-contract-main h3,\n    .mpl-cta-container h2 {\n        font-size: 35px;\n    }\n\n    .mpl-label {\n        padding: 9px 13px;\n        font-size: 9px;\n    }\n\n    .mpl-hero-visual {\n        min-height: 330px;\n    }\n\n    .mpl-risk-card h3 {\n        font-size: 25px;\n    }\n\n    .mpl-management-score {\n        align-items: flex-start;\n        flex-direction: column;\n    }\n}\n\n\n\/* REDUCED MOTION *\/\n\n@media (prefers-reduced-motion: reduce) {\n\n    .mas-professional-liability-page *,\n    .mas-professional-liability-page *::before,\n    .mas-professional-liability-page *::after {\n        animation: none !important;\n        scroll-behavior: auto !important;\n        transition: none !important;\n    }\n}\n<\/style>\n\n<div class=\"mas-professional-liability-page\">\n\n    <!-- HERO -->\n    <section class=\"mpl-hero\">\n\n        <div class=\"mpl-hero-container\">\n\n            <div class=\"mpl-hero-content\">\n\n                <span class=\"mpl-label\">\n                    Professional Liability Insurance\n                <\/span>\n\n                <h1>\n                    Protection for the advice,\n                    <span>services and expertise you provide.<\/span>\n                <\/h1>\n\n                <p>\n                    Help protect your business against claims alleging\n                    professional mistakes, negligence, missed deadlines,\n                    inaccurate advice or failure to deliver promised services.\n                <\/p>\n\n                <div class=\"mpl-hero-buttons\">\n\n                    <a href=\"\/contact-us\/\" class=\"mpl-button mpl-button-primary\">\n\n                        Quote Professional Liability\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                        <\/svg>\n\n                    <\/a>\n\n                    <a href=\"tel:3054282005\" class=\"mpl-button mpl-button-secondary\">\n\n                        Request a Call\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6A19.79 19.79 0 0 1 2.12 4.18 2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72c.12.9.33 1.78.62 2.63a2 2 0 0 1-.45 2.11L8 9.73a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45c.85.29 1.73.5 2.63.62A2 2 0 0 1 22 16.92Z\"><\/path>\n                        <\/svg>\n\n                    <\/a>\n\n                <\/div>\n\n                <div class=\"mpl-hero-trust\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Coverage for many professions\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Multiple insurance markets\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Contract-ready certificates\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mpl-hero-visual\">\n\n                <div class=\"mpl-hero-shape\"><\/div>\n\n                <img decoding=\"async\"\n                    src=\"https:\/\/musasinsurance.com\/wp-content\/uploads\/2025\/02\/Untitled-Instagram-Post-2-copy.png\"\n                    alt=\"Professional liability insurance for business professionals\"\n                    class=\"mpl-hero-image\"\n                >\n\n                <div class=\"mpl-floating-card mpl-floating-top\">\n\n                    <span class=\"mpl-floating-icon\">\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                            <path d=\"m9 12 2 2 4-4\"><\/path>\n                        <\/svg>\n\n                    <\/span>\n\n                    <span>\n                        <small>Professional protection<\/small>\n                        Coverage for errors and omissions\n                    <\/span>\n\n                <\/div>\n\n\n                <div class=\"mpl-floating-card mpl-floating-bottom\">\n\n                    <span class=\"mpl-floating-icon\">\n                        E&amp;O\n                    <\/span>\n\n                    <span>\n                        <small>Contract requirements<\/small>\n                        Limits and certificates available\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- BENEFITS -->\n    <section class=\"mpl-benefits\">\n\n        <div class=\"mpl-benefits-container\">\n\n            <article class=\"mpl-benefit\">\n\n                <span class=\"mpl-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M6 3h9l4 4v14H6Z\"><\/path>\n                        <path d=\"M14 3v5h5M9 13h6M9 17h6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Claims Alleging Errors<\/h3>\n\n                    <p>\n                        Protection for certain claims arising from mistakes,\n                        omissions or failure to perform professional services.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mpl-benefit\">\n\n                <span class=\"mpl-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 20h16M7 20V8h10v12\"><\/path>\n                        <path d=\"M9 8V4h6v4M10 13h4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Legal Defense<\/h3>\n\n                    <p>\n                        Helps pay eligible legal-defense expenses when a\n                        covered professional claim is brought against you.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mpl-benefit\">\n\n                <span class=\"mpl-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 4h16v16H4Z\"><\/path>\n                        <path d=\"m8 12 3 3 5-6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Contract Compliance<\/h3>\n\n                    <p>\n                        Obtain coverage limits and proof of insurance required\n                        by clients, landlords and business partners.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INTRO -->\n    <section class=\"mpl-intro\">\n\n        <div class=\"mpl-intro-container\">\n\n            <div class=\"mpl-intro-content\">\n\n                <span class=\"mpl-label\">\n                    Coverage for professional risk\n                <\/span>\n\n                <h2>\n                    General liability protects your operations.\n                    <span>Professional liability protects your expertise.<\/span>\n                <\/h2>\n\n                <p>\n                    Professional liability insurance, often called errors and\n                    omissions insurance, helps protect businesses that provide\n                    professional advice, designs, recommendations or services.\n                <\/p>\n\n                <p>\n                    A customer may claim that your work caused a financial loss\n                    even when you believe the service was performed correctly.\n                    Defending that allegation can still be expensive.\n                <\/p>\n\n                <div class=\"mpl-intro-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Professional negligence\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Errors and omissions\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Inaccurate advice\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Missed deadlines\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Failure to perform\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Eligible defense costs\n                    <\/span>\n\n                <\/div>\n\n                <a href=\"\/contact-us\/\" class=\"mpl-button mpl-button-primary\">\n\n                    Review My Professional Exposure\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mpl-risk-card\">\n\n                <span class=\"mpl-card-label\">\n                    Professional risk profile\n                <\/span>\n\n                <h3>\n                    What can create a professional liability claim?\n                <\/h3>\n\n                <div class=\"mpl-risk-list\">\n\n                    <div>\n                        <span>01<\/span>\n                        <p>An error in a report, design or recommendation<\/p>\n                    <\/div>\n\n                    <div>\n                        <span>02<\/span>\n                        <p>Failure to complete services as promised<\/p>\n                    <\/div>\n\n                    <div>\n                        <span>03<\/span>\n                        <p>A missed deadline that causes financial loss<\/p>\n                    <\/div>\n\n                    <div>\n                        <span>04<\/span>\n                        <p>Miscommunication about the scope of work<\/p>\n                    <\/div>\n\n                    <div>\n                        <span>05<\/span>\n                        <p>Alleged negligence or inadequate service<\/p>\n                    <\/div>\n\n                    <div>\n                        <span>06<\/span>\n                        <p>A dissatisfied client seeking reimbursement<\/p>\n                    <\/div>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- PROFESSIONS -->\n    <section class=\"mpl-section mpl-professions\">\n\n        <div class=\"mpl-section-heading\">\n\n            <span class=\"mpl-label\">\n                Professionals we help insure\n            <\/span>\n\n            <h2>\n                Coverage for businesses built on\n                <span>knowledge, advice and specialized services.<\/span>\n            <\/h2>\n\n            <p>\n                Professional liability options are available for many\n                industries, subject to underwriting and policy eligibility.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mpl-profession-grid\">\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">01<\/span>\n\n                <span class=\"mpl-profession-icon\">CO<\/span>\n\n                <h3>Consultants<\/h3>\n\n                <p>\n                    Management, business, operations, marketing and independent\n                    consultants providing strategic advice.\n                <\/p>\n\n                <ul>\n                    <li>Recommendations and analysis<\/li>\n                    <li>Project deliverables<\/li>\n                    <li>Client financial-loss claims<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">02<\/span>\n\n                <span class=\"mpl-profession-icon\">IT<\/span>\n\n                <h3>Technology Professionals<\/h3>\n\n                <p>\n                    IT consultants, software developers, managed service\n                    providers and technology contractors.\n                <\/p>\n\n                <ul>\n                    <li>Software implementation<\/li>\n                    <li>System configuration<\/li>\n                    <li>Technology-service failures<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">03<\/span>\n\n                <span class=\"mpl-profession-icon\">RE<\/span>\n\n                <h3>Real Estate Professionals<\/h3>\n\n                <p>\n                    Real estate agents, property managers, brokers and other\n                    professionals involved in property transactions.\n                <\/p>\n\n                <ul>\n                    <li>Disclosure allegations<\/li>\n                    <li>Transaction errors<\/li>\n                    <li>Property-management services<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">04<\/span>\n\n                <span class=\"mpl-profession-icon\">AC<\/span>\n\n                <h3>Accountants &amp; Bookkeepers<\/h3>\n\n                <p>\n                    Accounting firms, tax preparers, payroll providers and\n                    independent bookkeeping professionals.\n                <\/p>\n\n                <ul>\n                    <li>Reporting mistakes<\/li>\n                    <li>Tax-preparation errors<\/li>\n                    <li>Financial-record services<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">05<\/span>\n\n                <span class=\"mpl-profession-icon\">IN<\/span>\n\n                <h3>Insurance Professionals<\/h3>\n\n                <p>\n                    Insurance agencies, brokers, consultants and independent\n                    professionals serving policyholders.\n                <\/p>\n\n                <ul>\n                    <li>Coverage-placement allegations<\/li>\n                    <li>Documentation errors<\/li>\n                    <li>Failure-to-advise claims<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">06<\/span>\n\n                <span class=\"mpl-profession-icon\">AE<\/span>\n\n                <h3>Architects &amp; Engineers<\/h3>\n\n                <p>\n                    Design professionals whose work may affect construction,\n                    building systems and project performance.\n                <\/p>\n\n                <ul>\n                    <li>Design errors<\/li>\n                    <li>Specification issues<\/li>\n                    <li>Project-delay allegations<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">07<\/span>\n\n                <span class=\"mpl-profession-icon\">ME<\/span>\n\n                <h3>Medical &amp; Wellness Services<\/h3>\n\n                <p>\n                    Eligible allied health, wellness, therapy and other service\n                    providers requiring specialized professional coverage.\n                <\/p>\n\n                <ul>\n                    <li>Treatment allegations<\/li>\n                    <li>Professional-service claims<\/li>\n                    <li>Specialized underwriting<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">08<\/span>\n\n                <span class=\"mpl-profession-icon\">CR<\/span>\n\n                <h3>Creative Professionals<\/h3>\n\n                <p>\n                    Designers, marketing agencies, photographers, media firms\n                    and creative-service providers.\n                <\/p>\n\n                <ul>\n                    <li>Missed deliverables<\/li>\n                    <li>Campaign-performance disputes<\/li>\n                    <li>Media-liability options<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-profession-card\">\n\n                <span class=\"mpl-profession-number\">09<\/span>\n\n                <span class=\"mpl-profession-icon\">ED<\/span>\n\n                <h3>Education &amp; Training<\/h3>\n\n                <p>\n                    Trainers, instructors, educational consultants and\n                    businesses providing specialized learning services.\n                <\/p>\n\n                <ul>\n                    <li>Instruction-related allegations<\/li>\n                    <li>Training-program disputes<\/li>\n                    <li>Professional-service claims<\/li>\n                <\/ul>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- COVERAGES -->\n    <section class=\"mpl-section mpl-coverages\">\n\n        <div class=\"mpl-section-heading\">\n\n            <span class=\"mpl-label\">\n                Coverage considerations\n            <\/span>\n\n            <h2>\n                Protection tailored to\n                <span>professional-service claims.<\/span>\n            <\/h2>\n\n            <p>\n                Terms vary by profession, insurance company and policy form.\n                Coverage should be reviewed against your actual services and\n                client contracts.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mpl-coverage-grid\">\n\n            <article class=\"mpl-coverage-card\">\n\n                <span class=\"mpl-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M6 3h9l4 4v14H6Z\"><\/path>\n                        <path d=\"M14 3v5h5M9 13h6M9 17h6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Errors and Omissions<\/h3>\n\n                <p>\n                    Helps protect against certain claims alleging an error,\n                    omission or mistake in the professional services provided.\n                <\/p>\n\n                <span class=\"mpl-coverage-example\">\n                    Example: A report contains incorrect information that\n                    allegedly causes a client financial loss.\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mpl-coverage-card\">\n\n                <span class=\"mpl-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Professional Negligence<\/h3>\n\n                <p>\n                    May respond when a client alleges that your services failed\n                    to meet the expected professional standard.\n                <\/p>\n\n                <span class=\"mpl-coverage-example\">\n                    Example: A client claims your recommendation was careless\n                    and caused a measurable loss.\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mpl-coverage-card\">\n\n                <span class=\"mpl-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 20h16M7 20V8h10v12\"><\/path>\n                        <path d=\"M9 8V4h6v4M10 13h4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Legal Defense<\/h3>\n\n                <p>\n                    Helps pay eligible attorney fees, court costs and other\n                    expenses required to defend a covered professional claim.\n                <\/p>\n\n                <span class=\"mpl-coverage-example\">\n                    Defense may be costly even when an allegation is ultimately\n                    determined to be unfounded.\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mpl-coverage-card\">\n\n                <span class=\"mpl-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"12\" r=\"9\"><\/circle>\n                        <path d=\"M12 7v5l3 2\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Missed Deadlines<\/h3>\n\n                <p>\n                    May provide protection when a client alleges that a missed\n                    deadline or delay in services caused financial damage.\n                <\/p>\n\n                <span class=\"mpl-coverage-example\">\n                    Coverage depends on the circumstances and policy wording.\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mpl-coverage-card\">\n\n                <span class=\"mpl-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 5h16v11H7l-3 3Z\"><\/path>\n                        <path d=\"M8 9h8M8 12h5\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Misrepresentation<\/h3>\n\n                <p>\n                    May address certain allegations that statements,\n                    information or recommendations made during the service were\n                    inaccurate.\n                <\/p>\n\n                <span class=\"mpl-coverage-example\">\n                    Intentional or fraudulent conduct is generally excluded.\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mpl-coverage-card\">\n\n                <span class=\"mpl-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 4h14v16H5Z\"><\/path>\n                        <path d=\"M8 8h8M8 12h8M8 16h5\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Failure to Perform<\/h3>\n\n                <p>\n                    May help when a customer alleges that professional services\n                    were incomplete, inadequate or not delivered as agreed.\n                <\/p>\n\n                <span class=\"mpl-coverage-example\">\n                    Contract terms and the scope of covered services are\n                    important.\n                <\/span>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- PROFESSIONAL VS GENERAL LIABILITY -->\n    <section class=\"mpl-section mpl-comparison\">\n\n        <div class=\"mpl-section-heading\">\n\n            <span class=\"mpl-label\">\n                Understanding the difference\n            <\/span>\n\n            <h2>\n                Professional liability and general liability\n                <span>protect different exposures.<\/span>\n            <\/h2>\n\n            <p>\n                Many professional businesses need both policies because one\n                does not automatically replace the other.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mpl-comparison-grid\">\n\n            <article class=\"mpl-comparison-card mpl-comparison-featured\">\n\n                <span class=\"mpl-comparison-badge\">\n                    Advice and services\n                <\/span>\n\n                <span class=\"mpl-comparison-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M6 3h9l4 4v14H6Z\"><\/path>\n                        <path d=\"M14 3v5h5M9 13h6M9 17h6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Professional Liability<\/h3>\n\n                <p>\n                    Focuses on financial harm allegedly caused by your\n                    professional advice, errors, omissions or services.\n                <\/p>\n\n                <ul>\n                    <li>Negligent professional services<\/li>\n                    <li>Errors in reports or recommendations<\/li>\n                    <li>Missed deadlines<\/li>\n                    <li>Failure to perform<\/li>\n                    <li>Client financial loss<\/li>\n                    <li>Professional legal defense<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mpl-comparison-card\">\n\n                <span class=\"mpl-comparison-badge\">\n                    Physical injury and damage\n                <\/span>\n\n                <span class=\"mpl-comparison-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                        <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                        <path d=\"M18 5v6M15 8h6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>General Liability<\/h3>\n\n                <p>\n                    Focuses primarily on bodily injury, property damage and\n                    certain personal or advertising injury claims.\n                <\/p>\n\n                <ul>\n                    <li>Customer slip-and-fall injuries<\/li>\n                    <li>Damage to third-party property<\/li>\n                    <li>Products and completed operations<\/li>\n                    <li>Personal and advertising injury<\/li>\n                    <li>Damage to rented premises<\/li>\n                    <li>General liability legal defense<\/li>\n                <\/ul>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CLAIM SCENARIOS -->\n    <section class=\"mpl-scenarios\">\n\n        <div class=\"mpl-scenarios-container\">\n\n            <div class=\"mpl-scenarios-heading\">\n\n                <span class=\"mpl-label mpl-label-light\">\n                    Real-world professional exposures\n                <\/span>\n\n                <h2>\n                    A professional dispute can become expensive quickly.\n                <\/h2>\n\n                <p>\n                    These simplified examples illustrate common allegations.\n                    Actual coverage depends on the policy and facts of each\n                    claim.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mpl-scenario-grid\">\n\n                <article>\n\n                    <span class=\"mpl-scenario-number\">01<\/span>\n\n                    <h3>Incorrect Recommendation<\/h3>\n\n                    <p>\n                        A consultant recommends a business strategy that the\n                        client alleges resulted in lost revenue.\n                    <\/p>\n\n                    <strong>\n                        Professional liability may help defend the allegation.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mpl-scenario-number\">02<\/span>\n\n                    <h3>Missed Project Deadline<\/h3>\n\n                    <p>\n                        A professional fails to complete work by the contractual\n                        deadline and the client claims financial damages.\n                    <\/p>\n\n                    <strong>\n                        Coverage may apply depending on the cause and policy.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mpl-scenario-number\">03<\/span>\n\n                    <h3>Documentation Error<\/h3>\n\n                    <p>\n                        An important figure is entered incorrectly in a report,\n                        proposal, application or financial document.\n                    <\/p>\n\n                    <strong>\n                        Errors-and-omissions coverage may respond.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mpl-scenario-number\">04<\/span>\n\n                    <h3>Failure to Deliver<\/h3>\n\n                    <p>\n                        A client alleges that the completed service did not meet\n                        the agreed scope, quality or performance requirements.\n                    <\/p>\n\n                    <strong>\n                        The contract and professional policy are reviewed.\n                    <\/strong>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CLAIMS MADE -->\n    <section class=\"mpl-claims-made\">\n\n        <div class=\"mpl-claims-made-container\">\n\n            <div class=\"mpl-claims-made-content\">\n\n                <span class=\"mpl-label mpl-label-light\">\n                    Claims-made coverage\n                <\/span>\n\n                <h2>\n                    Policy dates matter in professional liability insurance.\n                <\/h2>\n\n                <p>\n                    Many professional liability policies are written on a\n                    claims-made basis. Coverage generally depends on when the\n                    professional service occurred, when the claim was made and\n                    when the claim was reported.\n                <\/p>\n\n                <div class=\"mpl-claims-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Retroactive date\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Policy period\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Claim-reporting date\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Prior-acts coverage\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Extended reporting period\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Continuous coverage\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mpl-timeline-panel\">\n\n                <span class=\"mpl-timeline-label\">\n                    Simplified claims-made timeline\n                <\/span>\n\n                <div class=\"mpl-timeline\">\n\n                    <article>\n                        <span>01<\/span>\n                        <strong>Service Performed<\/strong>\n                        <p>\n                            The professional work occurs after the applicable\n                            retroactive date.\n                        <\/p>\n                    <\/article>\n\n                    <article>\n                        <span>02<\/span>\n                        <strong>Claim Is Made<\/strong>\n                        <p>\n                            The client first makes the allegation during the\n                            active policy period.\n                        <\/p>\n                    <\/article>\n\n                    <article>\n                        <span>03<\/span>\n                        <strong>Claim Is Reported<\/strong>\n                        <p>\n                            The insured reports the claim according to the\n                            policy\u2019s notice requirements.\n                        <\/p>\n                    <\/article>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CONTRACTS -->\n    <section class=\"mpl-section mpl-contracts\">\n\n        <div class=\"mpl-section-heading\">\n\n            <span class=\"mpl-label\">\n                Client and contract requirements\n            <\/span>\n\n            <h2>\n                Coverage that helps you\n                <span>qualify for professional opportunities.<\/span>\n            <\/h2>\n\n            <p>\n                Clients may require professional liability insurance before\n                signing an agreement, approving a project or allowing work to\n                begin.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mpl-contract-layout\">\n\n            <div class=\"mpl-contract-main\">\n\n                <span class=\"mpl-card-label\">\n                    Contract review\n                <\/span>\n\n                <h3>\n                    Send us the insurance section before signing.\n                <\/h3>\n\n                <p>\n                    Professional-service contracts may contain specific limit,\n                    deductible, notice, indemnification and insurance\n                    requirements. Reviewing them before binding coverage can\n                    help identify potential gaps.\n                <\/p>\n\n                <div class=\"mpl-contract-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Required professional liability limit\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Policy-period requirements\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Retroactive-date wording\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Defense-cost treatment\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Extended reporting requirements\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Certificate instructions\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mpl-contract-side\">\n\n                <article>\n\n                    <span class=\"mpl-contract-icon\">\n                        COI\n                    <\/span>\n\n                    <h3>Certificate of Insurance<\/h3>\n\n                    <p>\n                        Provides evidence of active coverage, limits, policy\n                        dates and insurance-company information.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mpl-contract-icon\">\n                        LIM\n                    <\/span>\n\n                    <h3>Required Limits<\/h3>\n\n                    <p>\n                        Common requested limits include $1 million per claim,\n                        although requirements vary by contract.\n                    <\/p>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- UNDERWRITING -->\n    <section class=\"mpl-underwriting\">\n\n        <div class=\"mpl-underwriting-container\">\n\n            <div class=\"mpl-underwriting-content\">\n\n                <span class=\"mpl-label\">\n                    Professional liability underwriting\n                <\/span>\n\n                <h2>\n                    What affects your premium and eligibility?\n                <\/h2>\n\n                <p>\n                    Insurance companies evaluate the services you provide, your\n                    experience, revenue, client contracts, claim history and\n                    requested coverage.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mpl-button mpl-button-primary\">\n\n                    Request an Underwriting Review\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mpl-underwriting-grid\">\n\n                <article>\n\n                    <span>01<\/span>\n\n                    <h3>Professional Services<\/h3>\n\n                    <p>\n                        The exact services, advice, deliverables and\n                        responsibilities included in your work.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>02<\/span>\n\n                    <h3>Annual Revenue<\/h3>\n\n                    <p>\n                        Revenue helps indicate the size and volume of the\n                        business\u2019s professional exposure.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>03<\/span>\n\n                    <h3>Client Types<\/h3>\n\n                    <p>\n                        Large corporate, governmental, financial or\n                        high-value clients may affect underwriting.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>04<\/span>\n\n                    <h3>Experience<\/h3>\n\n                    <p>\n                        Years in business, professional credentials and staff\n                        qualifications may influence terms.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>05<\/span>\n\n                    <h3>Contracts<\/h3>\n\n                    <p>\n                        Written agreements, limitation-of-liability clauses and\n                        scope-of-work documentation are important.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>06<\/span>\n\n                    <h3>Prior Claims<\/h3>\n\n                    <p>\n                        Previous allegations, lawsuits and known circumstances\n                        are generally reviewed.\n                    <\/p>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- RISK MANAGEMENT -->\n    <section class=\"mpl-risk-management\">\n\n        <div class=\"mpl-risk-management-container\">\n\n            <div class=\"mpl-risk-management-content\">\n\n                <span class=\"mpl-label mpl-label-light\">\n                    Professional risk management\n                <\/span>\n\n                <h2>\n                    Clear expectations can help prevent client disputes.\n                <\/h2>\n\n                <p>\n                    Written agreements, documentation and consistent procedures\n                    can reduce misunderstandings and improve the defense of a\n                    professional claim.\n                <\/p>\n\n                <div class=\"mpl-management-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Use written contracts\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Define the scope of work\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Document requested changes\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Maintain client communications\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Use engagement and disengagement letters\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Establish quality-control procedures\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Protect confidential information\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Report incidents promptly\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mpl-management-panel\">\n\n                <span class=\"mpl-management-panel-label\">\n                    Strong contract practice\n                <\/span>\n\n                <div class=\"mpl-management-score\">\n\n                    <strong>\n                        SOW\n                    <\/strong>\n\n                    <span>\n                        Clear scope of work\n                    <\/span>\n\n                <\/div>\n\n                <p>\n                    A detailed scope of work helps define what services are\n                    included, what is excluded and what each party is\n                    responsible for providing.\n                <\/p>\n\n                <div class=\"mpl-management-list\">\n\n                    <span>\n                        Deliverables\n                    <\/span>\n\n                    <span>\n                        Project timeline\n                    <\/span>\n\n                    <span>\n                        Client responsibilities\n                    <\/span>\n\n                    <span>\n                        Change-order process\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- PROCESS -->\n    <section class=\"mpl-section mpl-process\">\n\n        <div class=\"mpl-section-heading\">\n\n            <span class=\"mpl-label\">\n                How we work\n            <\/span>\n\n            <h2>\n                Build your professional coverage in\n                <span>three clear steps.<\/span>\n            <\/h2>\n\n            <p>\n                We review your services, compare available markets and help you\n                understand the important policy terms before binding.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mpl-process-grid\">\n\n            <article class=\"mpl-process-card\">\n\n                <span class=\"mpl-process-number\">\n                    01\n                <\/span>\n\n                <span class=\"mpl-process-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 4h16v16H4Z\"><\/path>\n                        <path d=\"M8 9h8M8 13h8M8 17h5\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Tell Us About Your Services<\/h3>\n\n                <p>\n                    Provide details about your profession, clients, revenue,\n                    contracts, experience and prior claims.\n                <\/p>\n\n                <a href=\"\/contact-us\/\">\n                    Start your quote <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mpl-process-card\">\n\n                <span class=\"mpl-process-number\">\n                    02\n                <\/span>\n\n                <span class=\"mpl-process-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                        <path d=\"M2 19h22\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Compare Coverage Options<\/h3>\n\n                <p>\n                    Review available limits, deductibles, retroactive dates,\n                    exclusions and defense provisions.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mpl-process-card\">\n\n                <span class=\"mpl-process-number\">\n                    03\n                <\/span>\n\n                <span class=\"mpl-process-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                        <path d=\"m9 12 2 2 4-4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Review &amp; Bind<\/h3>\n\n                <p>\n                    Select the policy that fits your needs and receive your\n                    insurance documents and certificate.\n                <\/p>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- QUOTE REQUIREMENTS -->\n    <section class=\"mpl-quote-info\">\n\n        <div class=\"mpl-quote-info-container\">\n\n            <div class=\"mpl-quote-heading\">\n\n                <span class=\"mpl-label\">\n                    Prepare for your quote\n                <\/span>\n\n                <h2>\n                    What we may need to quote your professional liability.\n                <\/h2>\n\n                <p>\n                    Complete information helps the insurance company understand\n                    your exposure and provide accurate coverage terms.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mpl-button mpl-button-primary\">\n\n                    Start My Professional Quote\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mpl-requirements-grid\">\n\n                <article class=\"mpl-requirement\">\n\n                    <span>01<\/span>\n\n                    <h3>Business Information<\/h3>\n\n                    <p>\n                        Legal name, location, years in business, employee count\n                        and annual revenue.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mpl-requirement\">\n\n                    <span>02<\/span>\n\n                    <h3>Description of Services<\/h3>\n\n                    <p>\n                        A detailed description of the advice, work, products or\n                        professional deliverables provided.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mpl-requirement\">\n\n                    <span>03<\/span>\n\n                    <h3>Client Information<\/h3>\n\n                    <p>\n                        Types of clients, largest projects, government work and\n                        any international exposure.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mpl-requirement\">\n\n                    <span>04<\/span>\n\n                    <h3>Professional Experience<\/h3>\n\n                    <p>\n                        Qualifications, licenses, certifications and resumes of\n                        key professionals when requested.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mpl-requirement\">\n\n                    <span>05<\/span>\n\n                    <h3>Contracts<\/h3>\n\n                    <p>\n                        Sample agreements, engagement letters and client\n                        insurance requirements.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mpl-requirement\">\n\n                    <span>06<\/span>\n\n                    <h3>Claims History<\/h3>\n\n                    <p>\n                        Prior claims, lawsuits, disciplinary actions or known\n                        circumstances that could become a claim.\n                    <\/p>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- LIMITATIONS -->\n    <section class=\"mpl-section mpl-limitations\">\n\n        <div class=\"mpl-section-heading\">\n\n            <span class=\"mpl-label\">\n                Important policy considerations\n            <\/span>\n\n            <h2>\n                Review the terms before\n                <span>you rely on the coverage.<\/span>\n            <\/h2>\n\n            <p>\n                Professional liability policies contain exclusions, conditions,\n                reporting obligations and definitions specific to the insured\n                profession.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mpl-limitation-grid\">\n\n            <article>\n\n                <span>01<\/span>\n\n                <h3>Known Circumstances<\/h3>\n\n                <p>\n                    Claims or potential claims known before coverage begins may\n                    not be covered.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>02<\/span>\n\n                <h3>Intentional Conduct<\/h3>\n\n                <p>\n                    Fraudulent, dishonest, criminal or intentionally harmful\n                    conduct is generally excluded.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>03<\/span>\n\n                <h3>Bodily Injury and Property Damage<\/h3>\n\n                <p>\n                    These exposures may be handled under general liability or a\n                    specialized professional form.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>04<\/span>\n\n                <h3>Uncovered Services<\/h3>\n\n                <p>\n                    Services outside the policy\u2019s definition of professional\n                    services may not be insured.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>05<\/span>\n\n                <h3>Contractual Guarantees<\/h3>\n\n                <p>\n                    Guarantees, warranties or obligations accepted solely by\n                    contract may be limited.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>06<\/span>\n\n                <h3>Late Reporting<\/h3>\n\n                <p>\n                    Failure to report a claim or circumstance promptly can\n                    affect coverage under a claims-made policy.\n                <\/p>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CTA -->\n    <section class=\"mpl-cta\">\n\n        <div class=\"mpl-cta-container\">\n\n            <div>\n\n                <span class=\"mpl-label mpl-label-light\">\n                    Protect your professional services\n                <\/span>\n\n                <h2>\n                    Ready to compare professional liability options?\n                <\/h2>\n\n                <p>\n                    Start your quote online or call our team at\n                    <a href=\"tel:3054282005\">(305) 428-2005<\/a>.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mpl-cta-buttons\">\n\n                <a href=\"\/contact-us\/\" class=\"mpl-button mpl-button-white\">\n\n                    Get a Professional Liability Quote\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n                <a href=\"tel:3054282005\" class=\"mpl-button mpl-button-glass\">\n                    Call (305) 428-2005\n                <\/a>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- FAQ -->\n    <section class=\"mpl-section mpl-faq\">\n\n        <div class=\"mpl-faq-layout\">\n\n            <div class=\"mpl-faq-heading\">\n\n                <span class=\"mpl-label\">\n                    Frequently asked questions\n                <\/span>\n\n                <h2>\n                    Professional liability questions, answered.\n                <\/h2>\n\n                <p>\n                    Our team can help review your services, contracts, limits,\n                    retroactive date and insurance requirements.\n                <\/p>\n\n                <div class=\"mpl-help-card\">\n\n                    <span>\n                        Need help reviewing your exposure?\n                    <\/span>\n\n                    <strong>\n                        Speak with a commercial insurance specialist.\n                    <\/strong>\n\n                    <a href=\"tel:3054282005\">\n                        Call (305) 428-2005 \u2192\n                    <\/a>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mpl-faq-list\">\n\n                <details>\n\n                    <summary>\n                        What is professional liability insurance?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Professional liability insurance helps protect a\n                        business against certain claims alleging negligence,\n                        mistakes, omissions or failure to perform professional\n                        services.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Is professional liability the same as E&amp;O?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        The terms are often used interchangeably. Different\n                        professions may use names such as errors and omissions,\n                        malpractice or professional indemnity coverage.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Who needs professional liability insurance?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Businesses that provide advice, consulting, designs,\n                        recommendations, treatment, technical services or other\n                        specialized professional work should consider coverage.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Does general liability cover professional mistakes?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        General liability generally focuses on bodily injury,\n                        property damage and certain personal or advertising\n                        injury claims. It may not cover financial loss caused by\n                        professional errors or advice.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is a claims-made policy?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        A claims-made policy generally requires the claim to be\n                        made and reported while the policy or an applicable\n                        reporting period is active, subject to the retroactive\n                        date and other policy terms.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is a retroactive date?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        The retroactive date is generally the earliest date on\n                        which professional services may have occurred for a\n                        later claim to potentially qualify for coverage.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is an extended reporting period?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        An extended reporting period may allow additional time\n                        to report certain claims after a claims-made policy\n                        ends. It does not normally cover new services performed\n                        after the policy terminates.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Are defense costs included in the liability limit?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Some professional liability policies include defense\n                        expenses within the limit, while others may provide\n                        different treatment. This should be reviewed carefully\n                        when comparing quotations.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Can a client require professional liability coverage?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Yes. Many contracts require a specified professional\n                        liability limit and may require the policy to remain\n                        active for a period after the work is completed.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        How much professional liability coverage do I need?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Appropriate limits depend on contract requirements,\n                        project size, client types, potential financial loss,\n                        industry standards and the severity of a possible claim.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        How much does professional liability insurance cost?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Premium depends on the profession, services, annual\n                        revenue, experience, claims history, contracts,\n                        selected limits and deductible.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        When should I report a potential claim?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Report claims, demands and known circumstances promptly\n                        according to the policy. Do not wait for a lawsuit if\n                        you receive a complaint, demand for reimbursement or\n                        notice that may develop into a claim.\n                    <\/div>\n\n                <\/details>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Professional Liability Insurance Protection for the advice, services and expertise you provide. Help protect your business against claims alleging professional mistakes, negligence, missed deadlines, inaccurate advice or failure to deliver promised services. Quote Professional Liability Request a Call \u2713 Coverage for many professions \u2713 Multiple insurance markets \u2713 Contract-ready certificates Professional protection Coverage for errors&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-258","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=258"}],"version-history":[{"count":2,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/258\/revisions"}],"predecessor-version":[{"id":1717,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/258\/revisions\/1717"}],"wp:attachment":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}