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Program Parameters

Highlights
  • Minimum Premium: $1,200 ($1,000,000/$1,000,000 $5,000 Retention)
  • Duty To Defend
  • Punitive and Exemplary Damages Coverage
  • World Wide Coverage
Options
  • First Dollar Defense Coverage
  • Defense Outside the Limits
  • Loss Documents up to $50,000
  • Regulatory Coverage up to $10,000
  • Disciplinary Hearing Coverage up to $100,000

Program Parameters may not follow for all eligible classes. Not available in Alaska or Hawaii. This information is provided as a general overview for Miscellaneous Professional Liability coverage. All accounts will be underwritten and coverage terms may vary due to exposure. Keystroke offers terms on a Surplus Lines basis through an AM BEST A Rated Insurer.

Targeted Classes

  • Accountants (No SEC and No Audit)
  • Actuarial (Life & Health, Pension)
  • Acupuncture/Acupressure
  • Advertising Agency
  • Answering Services
  • Appraisers (Non-Real Estate)
  • Arbitrators / Mediators
  • Association E&O (Non-Licensing / Accreditation)
  • Auctioneers
  • Benefit Administrators
  • Benefit Plan Consultants
  • Bookkeeping
  • Building Inspectors (Commercial)
  • Business Brokers (niche with experience – Restaurants, Gas Stations)
  • Call Center (call in only, no emergency centers)
  • Claims Adjusters
  • Collections (no losses)
  • Computer Bureaus / Consultants
  • Consultants (Miscellaneous)
  • Consultants Computer/Tech (no web/network security)
  • Crane Inspector (Doc, Marine, lower than 5 stories)
  • Credit Reporting
  • Dealership E&O
  • Diet & Nutrition (human only)
  • Document Shredder
  • Drafting Services
  • Elevator Inspectors
  • Employment Agencies
  • Energy Consultants
  • Entertainment (local, no film, TV, print/Internet)
  • Event Planning
  • Executive Recruiters
  • Exhibit Design
  • Expert Witness Services
  • Family Therapy
  • Flood Zone Searches
  • Forensic Investigator (Non-Medical)
  • Freight Forwarders (does not take possession)
  • Graphic Designers
  • Healthcare Consultants
  • Hotel Management
  • Hypnosis
  • Inspection Services (Commercial)
  • Insurance Agents (small)
  • Interior Designers (no code work)
  • Interpreters
  • Land Use Planners
  • Lease Brokers
  • Life Coach
  • Management Service Organizations (MSO for Offices, Healthcare)
  • Managing General Agents
  • Marketing Consultants
  • Medical Billing (No Collections/Debt Pursuit)
  • Mortgage Brokers with NO Banking
  • Notary Public
  • Oil & Gas Consulting (no offshore, hole, soil sampling, or former employee)
  • OSHA / Safety Training
  • Paralegal
  • Payroll Processing
  • Personal & Physical Trainers
  • Printing
  • Process Servers
  • Project Management (no A&E)
  • Property & Land Management
  • Real Estate (Residential & Commercial)
  • Real Estate Appraisers
  • Record Storage (non-digital)
  • Relocation Agents
  • Right of Way / Landsman
  • Social Services
  • Staffing Agencies
  • Tax Preparer
  • Tenant Discrimination
  • Testing Lab
  • Title Abstractors / Title Agents / Escrow & Closing Agents
  • TPA’s (no Stop Loss placement, no authority to Deny or Accept claims)
  • Travel Agency (no tour operators)
  • Turnaround Consultant
  • Tutors
  • Utility Location (Cell Towers – Proof of GL)
  • Yoga Trainers
This list is not fully representative of all coverage lines. For a complete listing, please contact your Keystroke Representative.

Excluded Classes

  • Adoption or Related Services
  • Aerospace (anything)
  • Architects & Engineering
  • Asset Management
  • Authors
  • Broadcasters
  • Cemetery
  • Claims Adjusters (Public)
  • Construction
  • Couriers / Messengers
  • Credit Bureaus
  • Design Build
  • Direct Mail Services
  • Document Manager
  • Employment Practices Liability
  • Environmental Nutrition (Cattle / Animal Only)
  • Financial Consultants
  • Financial Institutions
  • Financial Managers
  • Freight Forwarders (stores inventory)
  • Funeral Directors
  • Home Inspectors
  • Inspection Services (Homes / Residential)
  • Lawyers
  • Life Settlement
  • Lobbyists
  • Management Liability Telemarketing
  • Manufacturer’s E&O (not Automotive, Aerospace, or Design)
  • Medical
  • Network Security & Web Hosting
  • Nuclear
  • Patent Agents
  • Pollution
  • Private Investigators
  • Products Real Estate Agents
  • Roofing Consultant
  • Seedsman
  • Security Guards
  • Skip Traces
  • Structured Settlements
  • Talent Agency
  • Technology Services (No Network Security)
  • Testing Lab (Geotechnical or Soil)
  • TPA with Stop Loss / Pension (authority to deny claims)
  • Trucking or Vehicles
  • Trustee E&O