The MPL Minute #2

 How Our Expertise Bridges CGL and MPL

This issue of the MPL Minute features a hypothetical—but highly realistic—case study created by Soraya Penix, Underwriter, to illustrate how the Miscellaneous Professional Liability (MPL) team at Westfield Specialty uses creative, tailored solutions to support clients with complex professional exposures. These scenarios reflect the kinds of challenges our MPL team helps solve every day.

Case Study: Lessons from the Lobby

A hotel group is expanding its footprint across North America, managing a mix of luxury, boutique, and extended-stay properties. But they’re not just running hotels—they’re offering full-service solutions to third-party owners: operational oversight, brand strategy, marketing campaigns, and even real estate brokerage for site selection and development.

As their service model grows, so does their exposure. The group is now responsible for staffing decisions, guest experience oversight, public-facing brand messaging, strategic consulting, and transactional real estate services. Their broker flags the risk: coverage is fragmented across multiple policies, and the potential for gaps is increasing.

Westfield Specialty steps in with a solution.

We craft a customized Miscellaneous Professional Liability (MPL) policy with a professional services endorsement that consolidates coverage for:

• Operations & Management: Mismanagement and other errors in staffing and day-to-day oversight
• Marketing & PR: Errors in branding, advertising, and reputation management
• Advisory & Consulting: Missteps in strategic guidance offered to hotel owners and developers
• Real Estate/Brokerage: Errors in connection with transactional activities and site acquisition services

What makes this solution effective is our underwriting philosophy: we intentionally craft policy language to reflect the insured’s actual services, reducing ambiguity and ensuring relevance.

We also tailor coverage to align with the client’s Commercial General Liability (CGL) policy, ensuring seamless protection and limiting discrepancies between MPL and CGL claims.

The result is integrated coverage that supports the client’s growth, simplifies risk management, and strengthens their confidence in expanding their professional offerings.

When you find yourself with a similar MPL coverage challenge for your client, reach out to our team.