NAMX Insurance
Appetite GuideLive data

What we write —
and what we don't.

Know before you ask. Here's our sweet spot — the classes an underwriter prices individually, and what's outside appetite, for every line. Quote any of it in minutes in NAMX Access.

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LPL

Lawyers Professional Liability

Small and mid-size law firms — a line almost no broker portal quotes online. Insurances arranged at Lloyd's.

Up to $1M per claim / $2M aggregate

Sweet Spot — Quote It Online

  • Estates, wills & trusts (under $5M)
  • Family / domestic relations
  • Real estate (residential & commercial)
  • Business / corporate & transactional
  • Immigration
  • Criminal & insurance defense
  • Arbitration / mediation
  • Labor & employment

Individually Underwritten

  • Plaintiff personal injury & med-mal
  • Class action / mass tort
  • Securities
  • Patent prosecution
  • Consumer collections & repossession
  • Large estates (over $5M)
  • Real-estate syndication / development

Not a Fit

  • Anywhere outside the 50 United States
  • Firms with open, uninsured claims or recent disciplinary action
  • Requested limits above $1M / $2M route to underwriter review

Coverage highlights

Errors & omissions with defense outside the limit (where eligible) Disciplinary proceedings defense reimbursement Subpoena assistance Cyber & privacy liability included Full prior acts for qualifying firms

Eligibility: 1–25 attorneys · US firms with a physical business address (not a PO box) · Full prior acts available for firms with continuous coverage · deductibles $1,000–$25,000

MPL

Miscellaneous Professional Liability

Errors & omissions for 100+ professional classes — consultants, agents, administrators, and more.

Limits by class

Sweet Spot — Quote It Online

  • Management & IT consultants
  • Insurance & real-estate agents
  • Home inspectors & appraisers
  • Guardians & conservators (court-supervised)
  • Association & practice management
  • Allied health & wellness professionals

Individually Underwritten

  • High-hazard or high-revenue accounts
  • Classes not on the online-quote list
  • Money-management / daily-money-manager exposure

Not a Fit

  • Anywhere outside the 50 United States
  • Securities dealers / registered investment advisers (as the core service)
  • Fiduciary liability (the product) — not on this line; see the FPL guide, which we place wholesale
  • Requested limits above the binder ceiling route to underwriter review

Coverage highlights

Professional E&O with separate defense costs Cyber & privacy liability included Optional add-on coverages priced in-quote Surplus-lines taxes & stamping shown in every quote

Eligibility: US risks, most professional-services classes · Revenue-rated — small to mid-size firms · deductibles from $1,000 · SL taxes/fees in-quote

PAL

Patent Agents Liability

E&O for USPTO-registered patent agents — the non-attorney practitioners who prosecute patent applications. A long-tail line NAMX writes at Lloyd's.

Limits by firm profile

Sweet Spot — Quote It Online

  • Patent application prosecution before the USPTO
  • Prior-art searches & patentability opinions
  • Office-action responses
  • Provisional & non-provisional filings

Individually Underwritten

  • Freedom-to-operate & infringement opinions
  • Litigation support / expert-witness work
  • PCT / heavy foreign-filing books
  • High-revenue or high-volume practices

Not a Fit

  • Anywhere outside the 50 United States
  • Open, uninsured claims or USPTO disciplinary action
  • Requested limits above the binder ceiling route to underwriter review

Coverage highlights

Errors & omissions with separate-limit defense costs Built for the long discovery windows patent work carries Cyber & privacy liability included Full prior acts for qualifying firms Surplus-lines taxes & stamping shown in every quote

Eligibility: USPTO-registered patent agents · Solo agents and small IP practices · US-based firms with a physical business address · defense outside the limit · deductibles from $1,000

PLL

Patent Practitioners Liability

E&O for patent attorneys and registered practitioners — prosecution plus the legal work around it. Long-tail, high-severity exposure, insured at Lloyd's.

Limits by firm profile

Sweet Spot — Quote It Online

  • Patent prosecution before the USPTO
  • Patentability & prior-art opinions
  • IP portfolio management
  • Trademark & copyright work alongside patents

Individually Underwritten

  • Patent litigation & infringement suits
  • Freedom-to-operate / opinion work
  • Contingency or plaintiff-side IP work
  • Large or high-revenue firms

Not a Fit

  • Anywhere outside the 50 United States
  • Open, uninsured claims or recent disciplinary action
  • Requested limits above the binder ceiling route to underwriter review

Coverage highlights

Errors & omissions with separate-limit defense costs Disciplinary proceedings defense reimbursement Cyber & privacy liability included Full prior acts for qualifying firms Surplus-lines taxes & stamping shown in every quote

Eligibility: Patent attorneys & USPTO-registered practitioners · IP boutiques and patent-focused firms · US-based firms with continuous prior coverage available · defense outside the limit · deductibles from $1,000

MML

Money Management Liability

Our specialized policy for daily money managers — professionals who run clients' day-to-day finances. Written through our Atrium program at Lloyd's.

Limits by firm profile

Sweet Spot — Quote It Online

  • Bill pay & day-to-day account management
  • Bookkeeping & account reconciliation
  • Financial / care management for seniors
  • Daily money management for individuals & families

Individually Underwritten

  • Every MML risk — our underwriters confirm each one before it binds
  • Investment discretion or trading authority over client accounts
  • High client-fund volumes or trustee appointments

Not a Fit

  • Anywhere outside the 50 United States
  • Securities dealers / registered investment advisers (as the core service)
  • Fiduciary liability (the product) — not on this line; see the FPL guide, which we place wholesale
  • Open, uninsured claims of client-fund loss

Coverage highlights

Professional liability for money-management services (claims-made) Theft coverage bundled in Data breach & identity theft coverage included Disciplinary defense reimbursement Optional add-ons: Surety, HNOA, business property & more, priced in-quote

Eligibility: Daily money managers, bookkeepers & bill-pay services acting for individuals · Guardians & conservators managing client funds · US firms, revenue-rated — solo practices to mid-size teams · deductibles from $1,000 · SL taxes/fees in-quote

FPL

Fiduciary Professional Liability

Professional fiduciaries — trustees, guardians, conservators, agents. NAMX does not write this on its own paper: we take the full application and place it with our Lloyd's wholesale market, who quote it. There is no instant price on this line.

Set by the placing market on each risk — no NAMX rate table applies

Sweet Spot — Quote It Online

  • Guardians & conservators
  • Trustees & trust administrators
  • Executors & estate administrators
  • Agents under power of attorney
  • Representative payees

Individually Underwritten

  • Every FPL risk, without exception — the wholesale market prices each one

Not a Fit

  • Anywhere outside the 50 United States
  • Corporate trust companies and bank trust departments
  • Anyone seeking an instant online price — this line is application-only

Coverage highlights

Errors & omissions for fiduciary services Defense costs Terms, limits and pricing come from the wholesale market, not from NAMX

Eligibility: Individual professional fiduciaries and fiduciary firms · US risks with a physical business address · Court-appointed and privately appointed engagements both considered

Additional coverage

Enhancements that ride along with a NAMX professional-liability policy — included where noted, or added by endorsement at bind.

Separate defense costs

Defense paid outside your limit, so a claim doesn't erode the coverage you bought (where eligible).

Cyber & privacy liability

Data-breach response and privacy liability — available on our Money Management & Financial Planning programs (included at a base sublimit, higher limits by endorsement).

Disciplinary defense

Reimbursement for defending a licensing-board or regulatory proceeding.

Subpoena assistance

Help responding to a subpoena for your records when you're not a party.

Full prior acts

Retroactive coverage for qualifying firms with continuous prior coverage.

General liability

Premises / slip-and-fall GL bolted on for eligible classes.

Referrals & declines

Two different things. Most flags just route to a quick underwriter review rather than an automatic decline — an underwriter takes a look before anything's firm. Only a couple are truly outside appetite.

Routes to a quick underwriter review

An underwriter takes a look before anything's firm — it's a review, not an automatic decline.

  • Open or uninsured prior claims
  • Recent disciplinary action or license issues
  • Limits above the auto-bind ceiling (Lawyers $1M/$2M · other lines $2M/$4M)
  • Deductibles above the greater of $5,000 or 10% of revenue
  • Firms with gross revenue over $2M
  • Dual-capacity risks (e.g. an attorney who is also a CPA)
  • Higher-hazard specialties we quote case-by-case

Outside appetite — not written

  • Anywhere outside the 50 United States

Appetite at a glance

LineCapacityQuote online?
LPL · Lawyers Professional LiabilityUp to $1M per claim / $2M aggregate Yes — most classes
MPL · Miscellaneous Professional LiabilityLimits by class Yes — most classes
PAL · Patent Agents LiabilityLimits by firm profile Yes — most classes
PLL · Patent Practitioners LiabilityLimits by firm profile Yes — most classes
MML · Money Management LiabilityLimits by firm profile Yes — most classes
FPL · Fiduciary Professional LiabilitySet by the placing market on each risk — no NAMX rate table applies Yes — most classes