Miscellaneous
Our Approach
Complex risks. Considered cover.
Many companies fall outside traditional insurance categories, yet remain exposed to claims arising from their advice, services or work product.
Miscellaneous professional liability addresses this gap, protecting businesses that provide specialist services beyond established professions, and responding to claims stemming from errors, omissions or negligent acts.
With a strong understanding of emerging service models and complex operational environments, we help clients safeguard their reputation, balance sheet and long-term growth. Tailored policy wordings and program structures reflect each client’s unique activities, providing practical, reliable protection across a wide range of evolving risk exposures.
Expertise
We can help with
Errors and omissions
Protection against negligent acts, errors or omissions.
Professional negligence
Protection against claims arising from professional services.
Failure to meet contractual or service level obligations
Protection against claims arising from alleged failures to deliver contracted services or meet agreed performance standards.
Defence costs
Covering legal representation, defence expenses and associated costs incurred in responding to claims.
Contact
Charles Tanham
Miscellaneous Lead
charlest@lumenspecialty.comCharles has spent his career advising professional services firms on their insurance and risk management needs. Having worked across the US, London and Bermuda markets, he brings a wealth of experience and first-hand market knowledge that informs how he serves each client. He represents leading accounting firms, law firms and global professional services networks, bringing each the benefit of deep market access and longstanding insurer relationships.