Professional Liability

At RB Jones we are specialists in Professional Liability where we design programs to provide comprehensive coverage, tailored to each insured’s specific needs. We add value by focusing our experienced underwriting team directly on underwriting where they are empowered to make decisions and provide industry-leading levels of service.

                                        ProConstruct                                         Contractors Professional, Architects & Engineers, and Artisan Contractors


  • Exclusive coverage form and endorsements developed in-house
  • A.M. Best rating of A
  • Up to $3M primary limits, up to $5M Excess limits capacity
  • Professional Liability Insuring agreement includes affirmative coverage for bodily injury and property damage arising from professional services, up to full limits
    • Professional Services also includes coverage for pro-bono services
  • Pollution liability coverage for damages, cleanup costs and claim expenses from a pollution condition arising out of professional services, up to the full limit
    • Includes coverage for emergency clean-up
    • Mold included within the definition of pollutant
    • Coverage for non-owned included storage sites. OWNED site storage enhancement available
    • Coverage for transportation of pollutants
  • Technology Professional Services and Technology Products coverage up to full limit
  • Computer Network Security
  • Privacy Liability
  • Media & Advertising Liability including
    • Personal Injury
    • Third-party discrimination covered up to full limits


  • Design Professionals
  • Engineering Professionals
  • Design and Construct Projects (Design Build Firms)
  • General Contractors, Specialty Contractors and Artisan Contractors
  • Construction Management Firms
    • Agency Construction Managers / Owners Rep
    • At-Risk Construction Managers
    • Project Managers


  • Rectification Expense coverage
  • Contractual Liability coverage included
  • Independent contractors covered under definition of insured
  • Faulty Workmanship
  • Contractor’s Protective Indemnity coverage
  • Drone physical damage coverage
  • Punitive damages explicitly included in definition of ‘damages’, if insurable by law, up to full limits
  • Asbestos included within the definition of pollutant and professional services carve back for any claims that arise from your performance of your professional services that took place after Jan 1, 1990
  • Additional $150,000 coverage limit in addition to (will not erode) the policy aggregate for
    • Standard Supplementary Payments
      • $30,000 Regulatory & Administrative Actions (FHA/OSHA/ADA)
      • $25,000 Defense of Licensing
      • $25,000 Subpoena Assistance
      • $10,000 Loss of Earnings
    • Additional Payments
      • $100,000 Pre-Claims Assistance
      • $25,000 Workplace Violence Counseling
      • $50,000 Reputation Management – available by separate endorsement


  • Proactive in-house claims management through experienced professionals to assist with Pre-Claim Assistance
  • Free Contract Review Services available to all policy holders

Miscellaneous E&O (MPL)


  • Advertising services
  • Appraiser (Non-Real Estate)
  • Arbitrator/Mediator
  • Assessor
  • Auctioneer
  • Background Investigation Services
  • Bookkeeper
  • Business brokers
  • Claims Adjusters
  • Court Reporter
  • Credential Verification Services
  • Data Processing Services
  • Employment agents
  • Event Organizer
  • Expert Witness
  • Freight Forwarder
  • Funeral Director
  • Grant Writing Services
  • Graphic Designers
  • Home Inspector
  • Interior Designers
  • Interpreters
  • Notary
  • PR Services
  • Printers/3D Printers
  • Property Manager (NON-OWNED ONLY)
  • Relocation Services
  • Risk Management Services
  • Space Planners
  • Tax Prep
  • Telephone Answering Service (NON-EMERGENCY)
  • Transcription Services
  • Translator


  • Capabilities to quote a package with separate Professional and General Liability limits on select classes
  • Up to $2M/$4M limits
  • Risks in all 50 US States can be considered
  • Includes a broad appetite for Consulting services like:
    • Agricultural/Environmental
    • Computer
    • Educational
    • Management
    • Marine
    • Marketing
    • HR
    • Loss Control
    • Technical
    • Training
    • Many More!
  • Sexual abuse, Contingent Bodily Injury/Property Damage, and Hired/Non-Owned Auto (HNOA) sublimit capabilities on most classes
  • Definition of insured to include partners, directors, officers, stockholders, and employees with respect to services provided on behalf of the insured
  • Capabilities to add additional insured and waiver of subrogation rights when required by contract
  • Optional Extended Reporting Period of 12 months available

Professional Liability Leadership


Michael Muglia


Michael Muglia is Director for Professional Liability at RB Jones where he is responsible for underwriting strategy, program development, and leads operations and growth across Professional Liability.

Michael has over 9 years of industry experience, most recently as National Underwriting Director leading professional liability underwriting for a top insurance wholesaler in North America, and winning “Insurance Underwriting Team of the Year” from Business Insurance. Michael leads an innovative underwriting team that drives success by partnering experienced underwriters directly with brokers to significantly expand professional liability for RB Jones.

Michael has direct underwriting experience in allied healthcare, social services, miscellaneous E&O, tech E&O, A&E and contractors professional, cyber liability, GL, and fire suppression contractors product lines.

Graduating from Oakland University, Michael earned a bachelor’s degree in Communication and is an active member of the Professional Liability Underwriting Society (PLUS). Michael is often a subject matter expert (SME) across the H.W. Kaufman Group, a licensed CE presenter and published featured expert in the insurance industry.


Tameka Livatino

Head of Architects and Engineers

Tameka Livatino has 25 years of Professional Lines Underwriting experience with increasing levels of responsibility including Underwriting Management and Product Leadership roles. She has managed large books of business acting as a referral underwriter across the Architects & Engineer (A&E), Miscellaneous Professional (MPL), Employment Practices Liability (EPL), Allied Healthcare and Tenant Discrimination lines of business. Tameka has had significant roles within Domestic Insurance Companies in a MGU backed by Lloyd’s capacity, most recently as AVP, Professional Lines.

Throughout her career Tameka has been active within the insurance community where she has been selected to participate in industry panels and mentored and trained many underwriters.