The MPL Minute #1

We’re excited to introduce Westfield Specialty’s Miscellaneous Professional Liability (MPL) offering. Our team brings deep experience across a wide range of professional classes and is focused on delivering thoughtful, flexible solutions in a rapidly evolving landscape.

Today, we’re spotlighting Dan Mogelnicki, SVP, MPL Product Leader.

With over two decades of experience in professional lines, he brings a deep understanding of how the insurance industry has evolved alongside the broader economy. Dan shares his take on what’s happening in the Miscellaneous Professional Liability space—and how his team is built to respond.

Q: What industry trends are currently having the biggest impact on Miscellaneous Professional Liability insurance?
A: “We’re seeing more professional firms offer services that overlap across industries—healthcare, financial services, tech. The issue is, those submissions often don’t fit neatly into one traditional box. Some carriers will pass on them altogether. We won’t. That kind of gray area is where we’re able to step in and provide flexible, creative solutions that others may avoid.”

Q: What are some of the most common professional liability coverage gaps you’re seeing in the market today—and how can brokers help clients avoid them?
A: “One of the most important parts of a policy is the description of professional services—it’s the trigger for coverage. Too many carriers use generic language that doesn’t actually reflect what the client does. Even on smaller accounts, we take the time to understand the insured’s business and tailor that language."

Q: What strengths or areas of specialization within your team do you believe give clients a strategic advantage?
A: “It’s twofold. First, we make things easy. We accept submissions the way our producers prefer to send them—and we turn them around very fast. Second, for the more nuanced risks, we slow down, do the analysis, and work closely with the broker to build something meaningful. We bring both efficiency and proficiency to the table, no matter the account size.”

Q: How would you describe your ideal broker relationship?
A: “We’re looking to build real, long-term relationships with brokers who value thoughtful, reliable underwriters. Fewer relationships, stronger outcomes. That’s how we do our best work.”