The MPL Minute #3

Growth in Logistics 

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: The Long Haul

A logistics company is scaling rapidly. They started with freight forwarding, but now offer customs brokerage, freight consolidation, and supply chain consulting. Their clients rely on them for end-to-end solutions—from navigating customs regulations to optimizing delivery timelines.

As the company adds new services, their liability exposures multiply. Customs errors, misrouted shipments, KPI misreporting, and third-party coordination all carry risk. Their broker recognizes the need for a more comprehensive, scalable insurance solution.

Westfield Specialty responds with a customized Miscellaneous Professional Liability (MPL) policy that covers:

• Customs House Brokerage: Liability for classification, valuation, and regulatory missteps
• International Forwarding: Documentation errors, misrouting, and transit liability
• Freight Consolidation: Coordination failures and distribution errors
• Consulting Services: Errors in supply chain strategy, KPI reporting, and vendor selection advice

By consolidating these exposures into one policy, we simplify the client’s risk management and provide clarity across their operations. Our underwriting team works closely with the broker to tailor the language to the insured’s actual services—crafting a policy that is both relevant and responsive.

This isn’t just coverage—it’s a strategic business decision. The client gains a scalable solution that grows with their business, backed by a team that understands the nuances of logistics and the importance of precision in professional liability.