Product Name: *MPL- Miscellaneous Professional Liability Filing at a Glance Company: Product Name: State: TOI: Sub-TOI: Filing Type: The Hanover Insurance Company *MPL- Miscellaneous Professional Liability District of Columbia 17.2 Other Liability-Claims Made Only 17.2019 Professional Errors and Omissions Liability Rule Date Submitted: 01/28/2015 SERFF Tr Num: SERFF Status: State Tr Num: State Status: Co Tr Num: Effective Date Requested (New): Effective Date Requested (Renewal): Author(s): Reviewer(s): HNVX-G129898950 Closed-APPROVED DC150350100010 04/15/2015 04/15/2015 SPI Hanover Disposition Date: 03/11/2015 Disposition Status: Effective Date (New): Effective Date (Renewal): APPROVED
Product Name: *MPL- Miscellaneous Professional Liability General Information Project Name: *MPL- Miscellaneous Professional Liability Project Number: DC150350100010 Reference Organization: Reference Title: Filing Status Changed: 03/11/2015 State Status Changed: Created By: SPI Hanover Corresponding Filing Tracking Number: DC150350100011 Status of Filing in Domicile: Domicile Status Comments: Reference Number: Advisory Org. Circular: Deemer Date: Submitted By: SPI Hanover Filing Description: We are making an update to our approved Hanover Miscellaneous Professional Liability ("MPL") product. The Miscellaneous Professional Liability product offers liability coverage for business risks posed to individuals or entities which provide professional services to others for a fee. In this update, we are revising eight forms, adding one application and forty-one new endorsements directed to a diverse group of professional services to better fit the unique needs and risk exposures of our policyholders. These proposed changes are editorial in nature and do not generate a rate effect. Included in this filing is an update to the MPL Company Additional Rules. Please refer to the attached Explanatory Memorandum for the complete details of this submission. If there should be any questions concerning this filing, please contact this office. Thank you. Company and Contact Filing Contact Information Robin Sipowicz, State Filings Analyst 100 North Parkway Worcester, MA 01605-1396 Filing Company Information The Hanover Insurance Company 440 Lincoln Street Worcester, MA 01653 (508) 853-7200 ext. [Phone] rsipowicz@hanover.com 508-855-2805 [Phone] 855-2805 [Ext] 508-855-4786 [FAX] CoCode: 22292 Group Code: 88 Group Name: The Hanover Insurance Group FEIN Number: 13-5129825 State of Domicile: New Hampshire Company Type: State ID Number: Filing Fees Fee Required? Retaliatory? Fee Explanation: No No
Product Name: *MPL- Miscellaneous Professional Liability Correspondence Summary Dispositions Status Created By Created On Date Submitted APPROVED Robert Nkojo 03/11/2015 03/11/2015 Filing Notes Subject Note Type Created By Created On Date Submitted Status Update Note To Reviewer SPI Hanover 03/10/2015 03/10/2015
Product Name: *MPL- Miscellaneous Professional Liability Disposition Disposition Date: 03/11/2015 Effective Date (New): Effective Date (Renewal): Status: APPROVED Comment: Rate data does NOT apply to filing. Schedule Schedule Item Schedule Item Status Public Access Supporting Document Consulting Authorization Yes Supporting Document Actuarial Certification (P&C) Yes Supporting Document District of Columbia and Countrywide Experience for the Yes Last 5 Years (P&C) Supporting Document District of Columbia and Countrywide Loss Ratio Analysis Yes (P&C) Supporting Document Rule Filing Memorandum Yes Rate MISCELLANEOUS PROFESSIONAL LIABILITY ADDENDUM COMPANY ADDITIONAL RULES Yes
Product Name: *MPL- Miscellaneous Professional Liability Note To Reviewer Created By: SPI Hanover on 03/10/2015 11:43 AM Last Edited By: SPI Hanover Submitted On: 03/10/2015 11:43 AM Subject: Status Update Comments: Our companion Form filing has been approved. Can you please provide a status of your review of this Rule filing. Thank you, Robin Sipowicz
Product Name: *MPL- Miscellaneous Professional Liability Rate Information Rate data does NOT apply to filing.
Product Name: *MPL- Miscellaneous Professional Liability Rate/Rule Schedule Item Schedule Item Previous State No. Status Exhibit Name Rule # or Page # Rate Action Filing Number Attachments 1 MISCELLANEOUS Pages 1-5 New Addendum MPL PROFESSIONAL LIABILITY Endorsement Rules Page - ADDENDUM COMPANY CW January 2015 ADDITIONAL RULES Update.PDF
MISCELLANEOUS PROFESSIONAL LIABILITY ADDENDUM COMPANY ADDITIONAL RULES January 2015 Update This update filing includes the following revisions to the MPL Company Additional Rules: NEW FORMS ADDED Note: Forms listed as Non-rate bearing, optional forms address certain situations that present exposures not contemplated in the base policy coverage, so their purpose is to bring exposure to a level that is contemplated by our policy. All insureds that meet the underwriting criteria for the non-rate bearing, optional forms will have that form attached to their policy. Forms listed as Rate bearing, optional, add or delete coverage that is beyond the scope of the base policy and there is either an increase or decrease in premium attached to it. 910-0739 Premises Coverage (Sublimit) This endorsement provides premises coverage specific to professional home inspection services with a scheduled sublimit and deductible that applies. 910-0740 Mold Inspection Coverage (Sublimit) This endorsement provides coverage for mold inspection service providers with a scheduled sublimit and deductible that applies. 910-0741 Mold Exclusion This endorsement excludes coverage for mold. 910-0742 Premises Coverage This endorsement provides premises coverage specific to professional home inspection services. 910-0743 Septic or Water Testing Coverage (Sublimit) This endorsement provides coverage for septic or water testing services specific to professional home inspection services with a scheduled sublimit and deductible that applies. 910-0744 Septic or Water Testing Exclusion This endorsement excludes coverage for septic or water testing. 910-0745 Rodent Inspection Coverage This endorsement provides coverage for professional services specific to rodent inspectors. MPL Rules Ed. 01 15 The Hanover Insurance Company Page 1 of 5
910-0746 Rodent Inspection Exclusion This endorsement excludes coverage for rodent inspection services. 910-0747 Infrared Thermography Inspection Coverage This endorsement provides coverage for professional services specific to infrared thermography inspectors. 910-0748 Infrared Thermography Inspection Exclusion This endorsement excludes coverage for infrared thermography inspection services. 910-0749 Indoor Air Quality Inspection Coverage This endorsement provides coverage for professional services specific to indoor air quality inspectors. 910-0750 Indoor Air Quality Inspection Exclusion This endorsement excludes coverage for indoor air quality inspection services. 910-0751 Green Building Inspection Coverage This endorsement provides coverage for professional services specific green building inspectors. 910-0752 Green Building Inspection Exclusion This endorsement excludes coverage for green building inspection services. 910-0753 Exterior Insulation Finishing Systems and Stucco Inspection Coverage This endorsement provides coverage for professional services specific exterior insulation finishing systems and stucco inspectors. 910-0754 Exterior Insulation Finishing Systems and Stucco Inspection Exclusion This endorsement excludes coverage for exterior insulation finishing systems and stucco inspection services. 910-0755 Radon Inspection Exclusion This endorsement excludes coverage for radon inspection or testing services. MPL Rules Ed. 01 15 The Hanover Insurance Company Page 2 of 5
910-0756 Radon Inspection Services Coverage (Sublimit) This endorsement provides coverage for septic or water testing services specific to professional home inspection services with a scheduled sublimit and deductible that applies. 910-0757 Professional Home Inspection Services Coverage This endorsement provides coverage for professional home inspection services. 910-0758 Limited Property Damage or Bodily Injury Carve-Back (Sublimit) This endorsement amends the property damage or bodily injury exclusion to provide carve-back coverage for a specified sublimit. 910-0759 Waiver of Subrogation for Specific Person or Entity This endorsement waives subrogation for a scheduled entity (client). 910-0760 Amend ERISA Exclusion This endorsement clarifies that the ERISA exclusion only applies to plans that are to the benefit of the insured s employees. 910-0761 Beauty Salon and Day Spa Services This endorsement provides coverage for professional services specific to beauty salon and day spa services. 910-0762 Communications Exposure Exclusion This endorsement excludes certain exposures related to communications. 910-0763 Interior Design Limited Architectural Services This endorsement provides coverage for professional services specific to interior designers. 910-0764 Loan Repurchase Exclusion This endorsement excludes claims from loan repurchases. 910-0765 Reprinting Expense Coverage This endorsement provides coverage for reprinting expenses. MPL Rules Ed. 01 15 The Hanover Insurance Company Page 3 of 5
910-0766 Revised Deductible First Dollar Defense This endorsement provides coverage for first dollar defense. 910-0767 Severability for Personal Conduct Exclusion This endorsement provides an exception for innocent insured coverage. 910-0768 Open House Coverage Sublimit This endorsement provides coverage for property damage claims from an open house with a scheduled sublimit. 910-0769 Amend Change in Ownership, Control or Exposure This endorsement removes the run-off period provision and extends the notice period for the reporting of a transaction. 910-0770 Subpoena Assistance Sublimit This endorsement provides coverage for subpoena response expenses with a scheduled sublimit. 910-0771 Amend Duties in the Event of Clams or Potential Claims This endorsement amends Section G. of the policy to remove the requirement to provide notice as soon as practicable. 910-0772 Limited Discrimination Coverage Sublimit This endorsement provides limited coverage for discrimination claims with a scheduled sublimit. 910-0773 Construction Development Coverage First Dollar Deductible This endorsement provides coverage for professional services specific to construction development with a provision that the deductible does not apply under certain circumstances. 910-0774 Real Estate Professional Services First Dollar Deductible This endorsement provides coverage for professional services specific to real estate professionals with a provision that the deductible does not apply under certain circumstances. 910-0775 Property Management with Ownership Interest This endorsement provides coverage for professional services specific to property managers with a provision that the amount payable for loss will be reduced based on the percentage of equity/ownership owned by the insured. MPL Rules Ed. 01 15 The Hanover Insurance Company Page 4 of 5
910-0776 Bodily Injury Property Damage Carve-Back (No Sublimit) This endorsement amends the property damage or bodily injury exclusion to provide carve-back coverage for bodily injury or property damage claims. 910-0777 Additional Insured Insured Client (Bodily Injury, Property Damage and Personal Advertising Injury) This endorsement provides additional insured coverage for an insured s client as scheduled. 910-0778 Blanket Insured Insured Client (Bodily Injury, Property Damage and Personal Advertising Injury) This endorsement provides additional insured coverage for any insured s client. 910-0779 Bodily Injury Property Damage Carve-Back Endorsement (CEOL) This endorsement amends the property damage or bodily injury exclusion to provide a carve-back for bodily injury or property damage claims for defense outside limits policies. MPL Rules Ed. 01 15 The Hanover Insurance Company Page 5 of 5
Product Name: *MPL- Miscellaneous Professional Liability Supporting Document Schedules Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Satisfied - Item: Comments: Attachment(s): Item Status: Status Date: Consulting Authorization N/A for this filing. Actuarial Certification (P&C) N/A for this filing. District of Columbia and Countrywide Experience for the Last 5 Years (P&C) N/A for this filing. District of Columbia and Countrywide Loss Ratio Analysis (P&C) N/A for this filing. Rule Filing Memorandum Generic Rules OnlyMemo.PDF
The Hanover Insurance Group Miscellaneous Professional Liability Insurance Filing Memorandum We are making an update to our approved Hanover Miscellaneous Professional Liability ("MPL") product. The Miscellaneous Professional Liability product offers liability coverage for business risks posed to individuals or entities which provide professional services to others for a fee. In this filing, we are submitting updated MPL Company Additional Rules that correspond to forms submitted under separate cover.