Miscellaneous Lines (MISC, BOP, WOC, BONDS)
Overview
Section titled “Overview”These specialty lines use carrier-based rating rather than the proprietary algorithms used for Accountants and Real Estate products. All four lines share common underwriting infrastructure but have distinct coverage characteristics and certificate requirements.
MISC — Miscellaneous Professional Liability
Section titled “MISC — Miscellaneous Professional Liability”Coverage Types
Section titled “Coverage Types”- Professional Liability (E&O)
- General Liability
- Excess Liability
Rating
Section titled “Rating”Carrier-based rating with a default commission of 25%. Select from standard limit and deductible packages for the assigned carrier.
Certificate Combinations
Section titled “Certificate Combinations”- Combo 1 — Excess Liability only
- Combo 2 — Professional Liability and General Liability
BOP — Business Owners Policy
Section titled “BOP — Business Owners Policy”Coverage
Section titled “Coverage”Standard BOP coverage with each-occurrence and general-aggregate limits. Includes property deductible options.
Certificate Combinations
Section titled “Certificate Combinations”- Combo 1 — Excess Liability, Commercial Auto, Hired/Non-Owned Auto, Umbrella
- Combo 2 — Commercial Auto and Hired/Non-Owned Auto
- Combo 3 — Excess Liability and Umbrella
WOC — Workers Compensation
Section titled “WOC — Workers Compensation”Standard workers compensation coverage with state-specific limit and deductible options.
BONDS — Surety Bonds
Section titled “BONDS — Surety Bonds”Surety bond coverage with indemnity amounts and bond type classification. Bonds are included in MGA certificates alongside other product lines.