A
Admiral Insurance Company
Contact
Donna Haroldson
Director of Underwriting
Berkley Select, A W.R. Berkley Company
233 S. Wacker Dr. Ste. 3900
Chicago, IL 60606
Phone: 312.800.6227
Email: Donna Haroldson
States Where the Carrier Writes:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, West Virginia, Wyoming
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1995
Restrictions:
None, but practice area impacts premium
Size Guidelines:
Writes firms of 1 to 50 attorneys
Highest Available Limits of Liability:
$5 Million each claim & aggregate
Deductible:
Minimum $5,000; will consider lower on a case by case basis
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes, exceptions by endorsement
Insured's Activities for Entity Not Covered by Policy:
Excludes claims arising out of insured's activity and/or capacity as such
Securities Exclusion:
Yes, but only for the promotion, sale, or solicitation for sale of securities, real estate, or other investments; or recommendations, representations, or opinions concerning specific investment advice.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, defamation and malicious prosecution
Prior Acts Coverage:
Yes, included if insured did not give notice to prior insurer and did not know or could not reasonably foresee that such act, error, or omission might be the basis for a claim, and there is no other coverage.
Input Re: Selection of Counsel:
No provision in the policy
Consent to Settle Provision:
Insured's consent required; but if insured rejects settlement the insurance company liability is capped
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: Yes
In-house: No
Alberta Lawyers Insurance Association (ALIA)
Contact
David Weyant, Q.C.
President & CEO
Alberta Lawyers Insurance Association
500, 919 11 Avenue SW
Calgary, Alberta T2R 1P3
Phone: 403/229-4716
Email: David Weyant
Additional Contact
Yvonne Ladouceur
Operations Manager
Alberta Lawyers Insurance Association
500, 919 11 Avenue SW
Calgary, Alberta T2R 1P3
Phone: 403/229-4716
Email: Yvonne Ladouceur
States Where the Carrier Writes:
Alberta
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1988
Restrictions:
No restrictions
Size Guidelines:
No restrictions
Highest Available Limits of Liability:
$2 Million
Deductible:
$5,000
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Contact us for details
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
No
Prior Acts Coverage:
No
Input Re: Selection of Counsel:
Yes
Consent to Settle Provision:
No
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: No
Employed Attorneys Leaving: No
Part-time Legal Work: No
Non-practicing Lawyers: No
Government: No
In-house: No
Allianz
Contact
John Bazos
Underwriting Specialist Financial Lines
Allianz Global Corporate & Specialty
28 Liberty Street, Fl 37
New York, NY 10005
Phone: 212/553-1250
Email: John Bazos
Additional Contact
Christopher M. Gomprecht, J.D.
National Practice Leader for Lawyers & Accountants
Allianz Global Corporate & Specialty
28 Liberty Street, Fl 37
New York, NY 10005
Phone: 212/524-7876
Email: Christopher Gomprecht
States Where the Carrier Writes:
All States
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1999
Restrictions:
No Restrictions
Size Guidelines:
1-250 attorney law firms.
Highest Available Limits of Liability:
$10 Million each claim; $20 Million aggregate
Deductible:
Minimum $1,000
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes, but defense costs in addition to limits available for additional premium
Insured's Activities for Entity Not Covered by Policy
Excludes claims arising from insured's capacity and/or activities as such for any businesses enterprise other than Named Insured.
Securities Exclusion:
None
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, full personal injury coverage
Prior Acts Coverage:
Available
Input Re: Selection of Counsel:
No provision in the policy; requests will be considered, but company retains right to final selection. The insured may engage additional counsel, at their expense, to associate in their defense.
Consent to Settle Provision:
Insured's consent required, if the insured refuses to consent to a settlement recommended by the company, the company's liability shall not exceed the amount for which the claim could have been settled plus claims expenses.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: No
Non-practicing Lawyers: No
Government: No
In-house: No
Allied World Insurance Company
Contact
Amanda Hickey
Allied World Insurance Company
15601 Dallas Pkwy. Ste. 1025
Addison, TX
Phone: 469/248-4012
Email: Amanda Hickey
Admitted:
Allied World Insurance Company (all states)
Allied World Assurance Company (NY only)
No admitted offering in Oregon
Surplus Lines - Allied World Surplus Lines Insurance Company
Additional Contact
Allied World Assurance Company - Farmington Office
1690 New Britain Ave. Ste. 101
Farmington, CT 06032
Phone: 860/284-1300
States Where the Carrier Writes
Available in 50 states
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2003
Restrictions:
Some area of practice restrictions apply. Contact carrier for details.
Size Guidelines:
Firms with at least three full time attorneys up to 100 attorneys.
Highest Available Limits of Liability:
$5,000,000 per claim and aggregate ($10,000,000 per claim and aggregate for Surplus Lines)
Deductible:
Aggregate retentions available in certain states ($5,000 minimum)
Limits in Excess of Deductible:
Yes, retention is not part of the Limits of Liability.
Defense Costs Included in Limits:
Yes, but Defense Costs in addition to the limits is available by endorsement.
Insured's Activities for Entity Not Covered by Policy
Contact carrier for details.
Securities Exclusion
None
Defense for Malicious Prosecution, Abuse of Process or Defamation
Yes
Prior Acts Coverage
Available
Input Re: Selection of Counsel
Requests will be considered, but policy provides that the Insurer has the right to select defense counsel.
Consent to Settle Provision
Insured's consent to settlement is required, subject to a 50/50 Hammer Clause if the Insured refuses to consent to settlement recommended by the Insurer.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes, except for solo attorneys
Non-practicing Lawyers: Yes
Government: Yes
In House: No
ALPS Property & Casualty Insurance Company
Contact
Kurt Whitmire
ALPS Property & Casualty Insurance Company
111 N. Higgins Ste. 600
P.O. Box 9169
Missoula, MT 59807
Phone: 800/367-2577
Email: Kurt Whitmire
Additional Contact
Chris Newbold
ALPS Property & Casualty Insurance Company
111 N. Higgins Ste. 600
P.O. Box 9169
Missoula, MT 59807
PH: 800/367-2577
Email: Chris Newbold
States Where the Carrier Writes:
ALPS program is offered in ALL STATES (except Louisiana, New York, and Oregon). Also offered in District of Columbia and U.S. Virgin Islands.
State Bar Endorsed Carrier In:
Alaska, Idaho, Kansas, Maine, Montana, Nevada, North Dakota, South Carolina, South Dakota, US Virgin Islands, Utah, Vermont, Virginia, Washington
Young Lawyers Program available
ALPS offers three (3) distinct policy forms each with different coverage features – ALPS Premier Policy, ALPS Preferred Policy and ALPS Basic Policy
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1988
Restrictions:
No restrictions
Size Guidelines:
Specialize in firms of 1-25 attorneys but will insure larger firms
Highest Available Limits of Liability:
$20 Million per claim & aggregate; higher limits available upon request
Deductible:
Minimum $1,000; maximum of $250,000
Limits in Excess of Deductible:
No
Defense Costs Included in Limits:
No. ALPS provides an allowance for defense costs under Premier Policy and Prefered Policy. Defense costs included in limits under Basic Policy.
Insured's Activities for Entity Not Covered by Policy:
Excludes any claims based on or arising out of an insured's capacity as officer, director, shareholder, partner, member or other owner or as an employee of any entity of which an Insured owns or controls more than 15% (Premier Policy), 10% (Preferred Policy), or 5% (Basic Policy).
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes
Prior Acts Coverage:
Yes, available by endorsement
Input Re: Selection of Counsel:
Yes. Available under Premier Policy and Preferred Policy. Not available under Basic Policy.
Consent to Settle Provision:
Yes. Available under Premier Policy and Preferred Policy. Not available under Basic Policy.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: Available as a stand alone policy for ALPS LPL Policyholders and is offered with all ALPS quotes.
Employment Practices Liability: Available as a stand alone policy for ALPS LPL Policyholders and is offered with all ALPS quotes.
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No
Aon Attorneys Advantage
Contact
Kristoffer Boyd
Aon Attorneys Advantage
1100 Virginia Dr. Ste. 250
Fort Washington, PA 19034
Phone: 267/418-3410
Email: Kristoffer Boyd
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
50+
Size Guidelines:
1-25
Highest Available Limits of Liability:
$5MM
Deductible:
Various
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Hybrid / Automatic Sublimit For Defense Cost
Insured's Activities for Entity Not Covered by Policy:
No
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation: Limited
Prior Acts Coverage:
Available
Input Re: Selection of Counsel:
No
Consent to Settle Provision:
Yes
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability:
Limited
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No
Arch Insurance Group
Contact
Donna James
Arch Insurance Group
3 Parkway
Ste. 1500
1601 Cherry St.
Philadelphia, PA
PH: 215/606-1682
Email: Donna James
States Where the Carrier Writes
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist. Of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, West Virginia, Wyoming
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2002
Restrictions:
None
Size Guidelines:
Up to 35 attorneys
Highest Available Limits of Liability:
$5 Million
Deductible:
No Minimum
Limits in Excess of Deductible:
State Specific
Defense Costs Included in Limits:
Yes, exceptions by endorsement
Insured's Activities for Entity Not Covered by Policy:
Contact carrier for details
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Defense until found guilty or admitted by insured
Prior Acts Coverage:
Included in policy, can limit by endorsement
Input Re: Selection of Counsel:
Contact carrier for details
Consent to Settle Provision:
Insured must consent however, company can limit liability to amount for which claim could have settled.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: No
Government: No
In-house: No
Attorney Protective
Contact
Monica Roth
2435 North Central Expy. Ste. 1400
Richardson, TX 75080
Phone: 214-220-7527
Email: Monica Roth
States Where the Carrier Writes:
Coverage is offered through National Liability & Fire Insurance Company in Alabama, Arkansas, Arizona, California, Colorado, Conneticut, Deleware, District of Columbia, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Massachussets, Maryland, Maine, Michigan, Mennesota, Mississippi, Missouri, North Carolina, North Dekota, Nebraska, New Hampshire, Nevada, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Wisconsin, and Wyoming; and through AttPro RRG in Florida, Hawaii, Louisiana, New Jersey, New Mexico, New York, and Washington
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2009
Restrictions:
Attorney Protective has more than one policy form that may apply. Consult the specific policy form in your state to confirm coverage provisions.
Size Guidelines:
Firms with 1 to 100 attorneys
Highest Available Limits of Liability:
$5M/$5M
Deductible:
For firms qualifying for the Arkansas Bar Association program, deductible for covered claims only applies to loss payments.
Limits in Excess of Deductible:
Deductible is within and reduces the limit
Defense Costs Included in Limits:
Yes. The Supplementary Payments section of the policy also provides for additional limits for disciplinary proceedings, crisis event expenses, privacy incident expenses, and loss of earnings. Defense costs outside the limits are available for qualified insureds.
Insured's Activities for Entity Not Covered by Policy:
No unless endorsed otherwise.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, in connection with the provision of legal services according to terms of policy.
Prior Acts Coverage:
Coverage available for qualifying firms
Input Re: Selection of Counsel:
We welcome input in selecting counsel, but retain the right to select counsel.
Consent to Settle Provision:
Yes
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No
Attorney Protective - Sponsored by BXS Insurance and the Arkansas Bar Association
www.attorneyprotective.com
Toll Free Number: (877)728-8776
Contact
Sally Field
2435 North Central Expy. Ste. 1400
Richardson, TX 75080
Phone: 214/220-7521
Email: Sally Field
States Where the Carrier Writes:
Coverage is offered through National Liability & Fire Insurance Company in Alabama, Arkansas, Arizona, California, Colorado, Conneticut, Deleware, District of Columbia, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Massachussets, Maryland, Maine, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dekota, Nebraska, New Hampshire, Nevada, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dekota, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Wisconsin, and Wyoming; and through AttPro RRG in Florida, Louisiana, New Jersey, New Mexico, New York, Washington.
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2009
Restrictions:
Attorney Protective has more than one policy form that may apply. Consult the effective date of the specific policy form in your state to confirm coverage provisions.
Size Guidelines:
Firms with 1 to 100 attorneys
Highest Available Limits of Liability:
$5M/$5M
Deductible:
For firms qualifying for the Arkansas Bar Association program, deductible for covered claims only applies to loss payments.
Limits in Excess of Deductible:
Deductible is within and reduces the limit
Defense Costs Included in Limits:
In Arkansas, for covered claims, an additional limit equal to 100% of the aggregate limit for defense costs is available. In addition, the Supplementary Payments section of the policy provides for additional limits for disciplinary proceedings, crisis event expenses, privacy incident expenses and loss of earnings.
Insured's Activities for Entity Not Covered by Policy:
No unless endorsed otherwise.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, in connection with the provision of legal services according to terms of policy.
Prior Acts Coverage:
Coverage available for qualifying firms
Input Re: Selection of Counsel:
We welcome input in selecting counsel, but retain the right to select counsel.
Consent to Settle Provision:
Yes
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No
Attorneys Mutual of the South Inc.
Contact
Henry T. Henzel
President
Attorneys Insurance Mutual of the South Inc.
200 Inverness Pwky.
Birmingham, AL 35242-4813
Phone: 205/980-0009
Toll-Free: 800/526.1246
Fax: 205/980-9009
Professional Solutions Insurance Company - Attorney Shield
Contact
David Siebert
14001 University Ave.
Clive, IA 50325
Phone: 515/313-4564
Email: David Siebert
Additional Contact
Tony Ranniger
14001 University Ave.
Clive, IA 50325
Phone: 515/313-4584
Email: Tony Ranniger
States Where the Carrier Writes:
Arizona, California, Colorado, Illinois, Indiana, Iowa, Michigan, Minnesota, Ohio, Pennsylvania, Texas
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2008
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Attorneys' Insurance Mutual Risk Retention Group, Inc.
Contact
Bruce G. Wilson
Attorneys' Insurance Mutual Risk Retention Group, Inc.
Commercial Risk Solutions/Professional Services/AON
AON Risk Insurance Services Northeast, Inc./License #0786020
One Liberty Plaza/165 Broadway 33rd Fl.
New York, NY 10006
PH: 203/722-4404
Email: Bruce G. Wilson
Additional Contacts
James C. Belding
Attorneys' Insurance Mutual Risk Retention Group, Inc.
Commercial Risk Solutions/Professional Services/AON
AON Risk Insurance Services Northeast, Inc./License #0786020
44 Whippany Rd. 2nd Fl.
Morristown, NJ 07960
PH: 201/460-6726
Email: James C. Belding
Christina Ladouceur
Attorneys' Insurance Mutual Risk Retention Group, Inc.
Commercial Risk Solutions/Professional Services/AON
AON Risk Insurance Services Northeast, Inc./License #0786020
900 Stuart Ave. 3rd Fl.
Garden City, NY 11530
PH: 201/441-1750
States Where the Carrier Writes:
California
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1986
Restrictions:
For California firms with 45 or more attorneys, firms outside of California will be considered.
Size Guidelines:
45 or more attorneys
Highest Available Limits of Liability:
Minimum of $25 Million to more than $200 million aggregate with one Round-the-Clock Reinstatement
Deductible:
Minimum of $500,000 per claim
Limits in Excess of Deductible:
Minimum of $25 million to more than $200 million aggregate
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Policy excludes claims arising from such activities as attorneys acting as directors, officers, or managers of such entity.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes
Prior Acts Coverage:
Yes, unlimited
Input Re: Selection of Counsel:
Yes, insured selects
Consent to Settle Provision:
All claims are adjusted by the RRG's claims counsel and claims administrator.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: Yes
Attorneys' Liability Assurance Society, Ltd. (ALAS) A Risk Retention Group
Contact
Nancy Montroy
Attorneys' Liability Assurance Society, Ltd. (ALAS) A Risk Retention Group
311 S. Wacker Dr. Ste. 5700
Chicago, IL 60606
Phone: 312/697-6972
Email: Nancy Montroy
Additional Contact
Mark Gralen
Attorneys' Liability Assurance Society, Ltd. (ALAS) A Risk Retention Group
311 S. Wacker Dr. Ste. 5700
Chicago, IL 60606
Phone: 312/697-6929
Email: Mark Gralen
States Where the Carrier Writes:
All States except Puerto Rico and the Virgin Islands
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1979
Restrictions:
None
Size Guidelines:
Writes firms of 35 or more
Highest Available Limits of Liability:
$100 million each claim and $200 million aggregate
Deductible:
Minimum $250,000; maximum $5 million
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Excludes claims arising out of any assured acting in his or her capacity as a director and/or officer
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, malicious prosecution, defamation
Prior Acts Coverage:
Coverage available at option of firm
Input Re: Selection of Counsel:
Policy provision - counsel selected by the insured shall be approved in advance by the company
Consent to Settle Provision:
Insured's consent required; but if insured rejects settlement the insurance company liability is capped for the amount for which claim could have been settled.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: Yes
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: No
Government: No
In-house: No
AXA XL Insurance
Contact
Dwayne A. Johnson
AXA XL Insurance Manager
14643 Dallas Pkwy. Ste. 770
Dallas, TX 75254
Phone: 281/758-5825
Email: Dwayne Johnson
States Where the Carrier Writes:
We write in DC plus 49 of the 50 states not including Oregon.
Specifically, we write in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist. Of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2003
Restrictions:
Please call for restrictions
Size Guidelines:
Writes firms with 1 - 24 attorneys on admitted forms and all firms over 24 lawyers on non-admitted basis
Highest Available Limits of Liability:
Up to $5 million/$5 million
Deductible:
Up to $100,000 on admitted forms and up to $250,000 on non-admitted forms
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes, but Defense Costs Outside of the Limits can be endorsed.
Insured's Activities for Entity Not Covered by Policy:
Excludes claims made by or against any business enterprise not named in the declarations which an insured controlled or held more than 15% (collectively) of the entity's equity or debt.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Included in the Insuring Agreement and defined under Personal Injury in the policy
Prior Acts Coverage:
Prior Acts Coverage generally give back to firm inception date of original firm.
Input Re: Selection of Counsel:
Mutual Selection of Defense Counsel included in policy
Consent to Settle Provision:
50% Soft Hammer - Insured's consent required, but if the insured withholds consent the most the company will pay is the amount for which the claim could have been settled plus claims expenses up to the date of refusal, plus 50% of indemnity and expenses after that date of refusal.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: Yes; two endorsements for Cyber (Data Compromose and CyberOne)
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No