M
Medmarc Casualty Insurance Co. (LawyerCare®)
Contact
Richard Butler
Medmarc Casualty Insurance Co.
4795 Meadow Wood Ln. Ste. 335
Chantilly, VA 20151
Phone: 703/652-1325
Toll Free: 800/356-6886
Email: Richard Butler
States Where the Carrier Writes:
Alabama, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, and Wisconsin
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1999
Restrictions:
No SEC work, no intellectual property work
Size Guidelines:
Target 1 to 25, but will consider larger qualified firms
Highest Available Limits of Liability:
$5 million each claim, $5 million aggregate
Deductible:
Minimum $1,000 to $50,000
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes, exceptions by endorsement
Insured's Activities for Entity Not Covered by Policy:
Excluded
Securities Exclusion:
Any claim involving a public offering or sale, registration, or qualification of securities under any federal, state, or local law, rule, or regulation, including, without limitation, the Securities Act of 1933, as amended, the Securities Act of 1934, as amended, and any and all rules and regulations promulgated under any or all of the foregoing laws.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes; malicious prosecution, defamation involving the rendering of or failure to render professional services.
Prior Acts Coverage:
Yes, included as set forth by retro date.
Input Re: Selection of Counsel:
Policy states that insured may request representation by a lawyer or law firm on the company’s list of approved lawyers.
Consent to Settle Provision:
Shall not settle any claim without the prior consent of the insured. Unless insured cannot be located or contacted, or there is a verdict/judgment. No traditional “hammer Clause”
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: CyberCare® endorsement with $25,000/$25,000 limits provided with the policy. Firm can choose to purchase a higher limit of $250,000/$250,000. Both endorsements provide first-party and third-party coverage uniquely designed for the data threats law firms face.
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes, via an extended Reporting period endorsement
Government: Yes, by endorsement
In-house: No
Minnesota Lawyers Mutual Insurance Company
Contact
Chad Saunders
Minnesota Lawyers Mutual Insurance Company
333 S. 7th St. Ste. 2200
Minneapolis, MN 55402
Phone: 612/344-4369
Email: Chad Saunders
Additional Contact
Paul Ablan
Minnesota Lawyers Mutual Insurance Company
333 S. 7th St. Ste. 2200
Minneapolis, MN 55402
Phone: 612/341-4530
Phone: 800/422-1370
Email: Paul Ablan
States Where the Carrier Writes:
Connecticut, District of Columbia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Minnesota, Nebraska, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1982
Restrictions:
None, but practice areas and firms characteristics impact premium
Size Guidelines:
Writes firms of all sizes; targets firms 1 to 10
Highest Available Limits of Liability:
$15 million
Deductible:
Minimum $1,000 - Maximum of $100,000
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 insured's activities and/or capacity as such.
Securities Exclusion:
Excludes claims arising out of solicitation or sale of specific securities/investments by any insured.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Not specifically excluded
Prior Acts Coverage:
Yes if the insured had no knowledge of facts which could reasonably support a claim at the effective date of the policy.
Input Re: Selection of Counsel:
No provision in the policy
Consent to Settle Provision:
The insured's written consent is required, but if insured refuses to consent, the company's liability is capped at the amount for which the claim could have been settled within the limit of liability.
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
N
Navigators Insurance Company (see also Lawyer's Protector Plan®)
Contact
Laura Simon, Esq. RPLU
B&B Protector Plans, Inc. d/b/a The Lawyer's Protector Plan®
3101 West Dr. Martin Luther King Jr. Blvd. Ste. 400
Tampa, FL 33607-6200
Phone: 800/336-5529 x4284
Email: Laura Simon
Additional Contact
Christina Casals Melia, Esq. RPLU
B&B Protector Plans, Inc. d/b/a The Lawyer's Protector Plan®
3101 West Dr. Martin Luther King Jr. Blvd. Ste. 400
Tampa, FL 33607-6200
Phone: 800/336-5529 x4284
Email: Christina Casals Melia
programs.bbinsurance.com
www.lppinsurance.com
States Where the Carrier Writes:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist. Of Columbia, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma (non admitted), Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming (non admitted)
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
More than 25 Years
Restrictions:
Please call for restrictions
Size Guidelines:
Writes firms with 1 to 50 attorneys
Highest Available Limits of Liability:
Up to $5 million/$5 million
Deductible:
$1000 to $100,000 Options vary by state, territory and firm's risk characteristics.
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes. Defense costs outside the limit may be available to Qualifying Firms. Options vary by state, territory, and firm's risk characteristics.
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 10% of the entity's equity or debt.
Securities Exclusion:
Bond and Private Placements will be considered.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes
Prior Acts Coverage:
Prior Acts Coverage generally give back to firm inception date.
Input Re: Selection of Counsel:
Carrier may seek input from firm in selecting defense counsel, but retains right to make decision.
Consent to Settle Provision:
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.
OPTIONS FOR SCOPE OF COVERAGE
Please call to discuss options for scope of coverage
Cyber Liability: No
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No
Noetic Specialty Insurance Co. (LawyerCare®)
Contact
Richard Butler
Medmarc Casualty Insurance Co.
4795 Meadow Wood Ln. Ste. 335
Chantilly, VA 20151
Phone: 703/652-1325
Toll Free: 800/356-6886
Email: Richard Butler
States Where the Carrier Writes:
Alabama, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, and Wisconsin
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2006
Restrictions:
No SEC work, no intellectual property work
Size Guidelines:
Target 1 to 25, but will consider larger qualified firms
Highest Available Limits of Liability:
$1 million each claim; $1 million aggregate
Deductible:
Minimum $5,000 to $50,000 aggregate
Limits in Excess of Deductible:
No
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Excluded
Securities Exclusion:
Yes, "from any Securities Activities of the Insured," as defined by policy.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes
Prior Acts Coverage:
Yes, at underwriters discretion.
Input Re: Selection of Counsel:
Policy provision reserves Company's right to appoint counsel.
Consent to Settle Provision:
Shall not settle any claim without the prior consent of the insured.
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: Yes, by endorsement
In-house: No
O
Ohio Bar Liability Insurance Company
Steve Couch
President and CEO
Ohio Bar Liability Insurance Company
1650 Lake Shore Dr. Ste. 285
Columbus, OH 43204-4894
Office: 614/488-7924
Toll Free: 800/227-4111
Direct: 614/572-0612
Fax: 614/488-7936
Email: Steve Couch
States Where the Carrier Writes:
Ohio
Do you write professional insurance for judges:
Yes, Magistrates only
If yes, what types of coveragedo you provide for judges?
For professional services arising out of work as a Magistrate.
# of Years Writing Legal Insurance:
Since 1980
Restrictions:
None
Size Guidelines:
Typically writes firms of 40 or fewer attorneys
Highest Available Limits of Liability:
$5 million; $5 million aggregate (facultative up to $20 million)
Deductible:
Minimum $1,000; maximum varies with number of attorneys
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Defense costs are included outside limits, and available inside limits, for policies with limits above $200,000/$600,000 limits. Defense costs are provided outside limits only for policies with limits of $200,000 or below. Part-time policies provide defense costs within limits only, however the first $25,000 of defense costs are paid outside limits.
Insured's Activities for Entity Not Covered by Policy:
Excludes claims arising out of insured's act, error, or omission as such.
Securities Exclusion:
Yes - varies depending upon circumstances.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, malicious prosecution, abuse of process, and defamation.
Prior Acts Coverage:
Included, if insured did not know of or could not have reasonably foreseen that the act, error or omission might be expected to be the basis of the claim or suit and there is no prior coverage applicable to the claim. Must have had prior "claims made" insurance at the time of the act or omission. Prior acts coverage can be provided to lateral hires if they qualify and is not limited to "work for or on behalf of the named insured."
Input Re: Selection of Counsel:
Policy provision states that company shall have the sole right to name the defense counsel. However insured and company discuss choice of counsel before retention.
Consent to Settle Provision:
Insured's consent required, but insured pays excess defense and indemnity if rejects settlement recommended by company and acceptable to claimant, and a verdict is greater than amount for which the 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: Yes
In-house: Yes
Oklahoma Attorneys Mutual Insurance Company
Contact
Phillip D. Fraim
Oklahoma Attorneys Mutual Insurance Company
P.O. Box 5590
Edmond, OK 73083
Phone: 405/471-5380
Email: Phillip D. Fraim
Additional Contact
Alison Cave
Oklahoma Attorneys Mutual Insurance Company
P.O. Box 5590
Edmond, OK 73083
Phone: 405/471-5380
Email: Alison Cave
States Where the Carrier Writes:
Oklahoma
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1980
Restrictions:
Generally none, but heavy securities practice falls outside underwriting guidelines
Size Guidelines:
Write firms of all sizes
Highest Available Limits of Liability:
$15 million each claim and aggregate
Deductible:
Minimum $1,000; maximum $100,000
Limits in Excess of Deductible:
No
Defense Costs Included in Limits:
Pays claims expense allowance equaling lesser of $100,000 or 50% of the per claim limit, except securities activities related claims which are included within limits. Additional defense costs within the limits.
Insured's Activities for Entity Not Covered by Policy:
Excludes claims arising out of insured's acts or omissions as such.
Securities Exclusion:
None, but the claims expense shall be included within the applicable limit of liability, and the claims expense allowance shall not apply.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Defense provided under reservation.
Prior Acts Coverage:
Included, if insured did not know or could not have reasonably foreseen that such acts or omissions might be expected to be the basis of a claim or suit.
Input Re: Selection of Counsel:
No provision in the policy, requests will be considered, but company retains right to final selection.
Consent to Settle Provision:
Insured's consent required, but insured pays excess defense and indemnity if rejects settlement recommended by company and acceptable to claimant.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability endorsed to policy, 100,000 base limit, higher limits available for premium; Employment Practices Liability (EPLI): can be added by endorsement
Cyber Liability: Yes
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: No
Government: No
In-house: Yes
Old Republic Insurance Company (Chicago Underwriting Group)
Contact
James Crockett
Old Republic Insurance Company (Chicago Underwriting Group)
191 N. Wacker Dr. Ste. 1000
Chicago, IL 60606
Phone: 312/750-8800
Email: James Crockett
States Where the Carrier Writes:
Alabama, Arizona, Arkansas, California, Colorado, 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 Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, West Virginia, and Wyoming
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1984
Restrictions:
None, but practice area impacts premium
Size Guidelines:
Writes firms of 6 or more attorneys
Highest Available Limits of Liability:
$15 million each claim and aggregate
Deductible:
Minimum $25,000; maximum varies with number of attorneys
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 insured's activity and/or capacity as such.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
No provision
Prior Acts Coverage:
Included, if insured did not know or could not reasonably foresee such act, error or omission might be the basis for a claim. Conditional, governed by retroactive date on policy declarations.
Input Re: Selection of Counsel:
Policy provision reserves company's right to select counsel, but it will consider insured's input regarding selection.
Consent to Settle Provision:
Insured's consent required, but insured pays excess defense and indemnity if rejects settlement recommended by company and acceptable to claimant.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: Yes coverage applies to services prior to leaving
Employed Attorneys Leaving: Yes
Part-time Legal Work:Yes
Non-practicing Lawyers:Yes
Government: No
In-house: No
Oregon State Bar Professional Liability Fund
Contact
Carol J. Bernick
CEO
Oregon State Bar Professional Liability Fund
Boones Ferry Rd. Ste. 300
Tigard, OR 97224
Phone: 503/639-6911
Fax: 503/684-7250
Email: Carol J. Bernick
Additional Contact
Madeleine Campbell
Director of Claims
Oregon State Bar Professional Liability Fund
Boones Ferry Rd. Ste. 300
Tigard, OR 97224
Email: Madeleine Campbell
Jeff Crawford
Director of Administration/Underwriting
Oregon State Bar Professional Liability Fund
Boones Ferry Rd. Ste. 300
Tigard, OR 97224
Email: Jeff Crawford
States Where the Carrier Writes:
Oregon
P
ProAssurance
Contact
Richard Butler
Medmarc Casualty Insurance Co.
4795 Meadow Wood Ln. Ste. 335
Chantilly, VA 20151
Phone: 703/652-1325
Toll Free: 800/356-6886
Email: Richard Butler
States Where the Carrier Writes:
Alabama, Arizona, Colorado, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, and Wisconsin
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1999
Restrictions:
No SEC work, no intellectual property work
Size Guidelines:
Target 1 to 25, but will consider larger qualified firms
Highest Available Limits of Liability:
$5 million each calim, $5 million aggregate
Deductible:
Minimum $1,000 to $50,000
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes, exceptions by endorsement
Insured's Activities for Entity Not Covered by Policy:
Excluded
Securities Exclusion:
Any claim involving a public offering or sale, registration, or qualification of securities under any federal, state, or local law, rule, or regulation, including, without limitation, the Securities Act of 1933, as amended, the Securities Act of 1934, as amended, and any and all rules and regulations promulgated under any or all of the foregoing laws.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes; malicious prosecution, defamation involving the rendering of or failure to render professional services.
Prior Acts Coverage:
Yes, included as set forth by retro date.
Input Re: Selection of Counsel:
Policy states that insured may request representation by a lawyer or law firm on the company’s list of approved lawyers.
Consent to Settle Provision:
Shall not settle any claim without the prior consent of the insured. Unless insured cannot be located or contacted, or there is a verdict/judgment. No traditional “hammer Clause”
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: CyberCare® endorsement with $25,000/$25,000 limits provided with the policy. Firm can choose to purchase a higher limit of $250,000/$250,000. Both endorsements provide first-party and third-party coverage uniquely designed for the data threats law firms face.
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes, via an extended Reporting period endorsement
Government: Yes, by endorsement
In-house: No
Professional Insurance Liability Organization, Inc. (Lloyd's of London)
Contact
Margaret C. Hepper
Professional Insurance Liability Organization, Inc. (Lloyd's of London)
PilotLegis RPG c/o AON
8300 Norman Center Dr. 10th Fl.
Minneapolis, MN 55437
Phone: 952/656-8181
Email: Margaret C. Hepper
Additional Contact
Kathy Winters
Professional Insurance Liability Organization, Inc. (Lloyd's of London)
PilotLegis RPG c/o AON
8300 Norman Center Dr. 10th Fl.
Minneapolis, MN 55437
Phone: 952/656-8061
Email: Kathy Winters
States Where the Carrier Writes:
Arizona, California, District of Columbia, Illinois, Massachusetts, Pennsylvania, Utah, and Virginia
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2011
Restrictions:
Insures only insurance defense; intellectual property; and commercial practice firms
Size Guidelines:
Writes firms of 20 to 200 attorneys
Highest Available Limits of Liability:
$30 million each claim and aggregate
Deductible:
Minimum $75,000; maximum of $1 million
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Excludes any claim arising out of insured's activities and/or capacity as such
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, with certain qualifiers for malicious prosecution.
Prior Acts Coverage:
Included, if insured did not have a basis to believe that such, act error, omission or personal injury was a breach of professional duty which may result in a claim, and the insured did not give notice to any prior insurer of any such act, error, or omission and there is no prior insurance for such claim.
Input Re: Selection of Counsel:
Mutual choice of defense is available by endorsement.
Consent to Settle Provision:
Insured's consent required, but if insured refuses to consent then liability shall not exceed the amount for which the claim could have been settled.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: No
Partners Leaving: No
Employed Attorneys Leaving: No
Part-time Legal Work: Yes
Non-practicing Lawyers: No
Government: No
In-house: No
Professional Liability Fund (Oregon)
Contact
Ira R. Zarov
Professional Liability Fund (Oregon)
P.O. Box 231600
Tigard, OR 97281-1600
Phone: 503/639-6911
Email: Ira R. Zarov
States Where The Carriers Writes
Oregon
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1989
Restrictions:
None
Size Guidelines:
Mandatory/primary plan issued to each Oregon lawyer, optional excess coverage
Highest Available Limits of Liability:
Oregon mandatory primary coverage at $300,000 each claim and aggregate; $10 million is maximum per claim and aggregate plus $50,000 expense allowance
Deductible:
No deductible available
Limits in Excess of Deductible:
Not applicable
Defense Costs Included in Limits:
Yes, after exhaustion of separate claims expense limit
Insured's Activities for Entity Not Covered by Policy:
Excludes claims arising out of insured's conduct as such
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Claims are defended subject to a reservation of rights.
Prior Acts Coverage:
Yes, included provided insured has no knowledge of claim and there is no prior policy which provides coverage.
Input Re: Selection of Counsel:
No provision in the policy, but input is welcome.
Consent to Settle Provision:
No
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
Professional Liability Fund of the Quebec Bar
Contact
Maria De Michele, avocate, ASC
Directrice générale
Fonds d’assurance responsabilité professionnelle du Barreau du Québec
445 boul. Saint-Laurent bureau 300
Montréal (Québec) H2Y 3T8
Phone: 514/954-1802
Fax: 514/954-3467
Email: Maria De Michele
Additional Contact
Guylaine LeBrun, avocate
Risk Manager Coordinator
445 boul. Saint-Laurent bureau 300
Montréal (Québec) H2Y 3T8
Email: Guylaine LeBrun
Geneviéve Ouimet, avocate
Claims Director
445 boul. Saint-Laurent bureau 300
Montréal (Québec) H2Y 3T8
Email: Geneviéve Ouimet
www.assurance-barreau.com
States Where the Carrier Writes:
Quebec
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1988
Restrictions:
Professional Liability Insurance (coverages A and B) and Fidelity Insurance (coverage C)
Highest Available Limits of Liability:
$10 Million
Deductible:
No deductible available
Limits in Excess of Deductible:
Limit of $10 million, no deductible. Limit of $1 million in certain cases.
Defense Costs Included in Limits:
No, defense costs are over and above the policy limit, in accordance with Québec Law.
Insured's Activities for Entity Not Covered by Policy:
See exclusion C
Securities Exclusion:
See exclusion J
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, depending on the facts. We may defend under a reservation of rights.
Prior Acts Coverage:
See section 3.10 of the policy (long-tail coverage for prior acts).
Input Re: Selection of Counsel:
The insured is consulted.
Consent to Settle Provision:
Yes, see section 3.04 of the policy.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
No options. All insureds have the same coverage. Non-practicing lawyers and government lawyers may be exempted from their obligation to subscribe to the Insurance Fund.
We provide compulsory coverage to members of the Québec Bar. The policy wording may be obtained at http://www.assurance-barreau.com/en/police/
Protexure Lawyers
Contact
Ryan Schwartz
Protexure Lawyers
4200 Commerce Ct. Ste. 102
Lisle, IL 60532
Phone: 877/569-4111 x7015
Email: Ryan Schwartz
http://www.protexurelawyers.com
States Where the Carrier Writes:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District 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, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, 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:
20 plus
Restrictions:
Intellectual Property, Lead Counsel Class-Action
Size Guidelines:
1 to 5 Attorney Firms
Highest Available Limits of Liability:
$2 million per claim, $4 million aggregate
Deductible:
$1,000 - $25,000
Limits in Excess of Deductible:
Yes, defense expenses outside the limit of liability also available
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Insured’s Activities as Officers, Directors, Managers, or Trustees of Entity Not Covered by Policy: See exclusion
Securities Exclusion:
None
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes
Prior Acts Coverage:
Available to qualified firms
Input Re: Selection of Counsel:
Counsel selected by company with input from insured
Consent to Settle Provision:
No
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: Yes
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: No
Non-practicing Lawyers: Yes
Government: No
In-house: No
R
RPS Plus / Markel Insurance Company
Contact
Robert O'Neil
Email: Robert O'Neil
https://www.rpsins.com/programs/rps-plus-companies/our-products/lawyers-insurance/
States Where the Carrier Writes:
Alabama, Arizona, Arkansas, 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 Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, 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 1987
Restrictions:
No sole practitioners
Size Guidelines:
Writes firms with 2-50 attorneys
Highest Available Limits of Liability:
$5 million per claim/$5 million annual aggregate
Deductible:
Minimum $2,500. Deductible is an annual aggregate. Option to buyout deductible on defense costs ("first dollar defense")
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
No. Defense costs are covered in addition to the limit of liability in an amount equal to the limit purchased for damages/settlements.
Insured's Activities for Entity Not Covered by Policy:
Coverage does not apply to an insured providing legal services on behalf of any entity other than the Named Insured or it’s predecessor(s) in business. Coverage for work performed at a prior employer of an attorney may be covered via a Prior Acts Extension endorsement.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, Malicious prosecution, abuse of process, defamation.
Prior Acts Coverage:
Yes, included if wrongful act occurred after retroactive date of policy.
Input Re: Selection of Counsel:
Markel has the sole right to appoint defense counsel. Counsel is selected from a pre-approved panel counsel with expertise in defending lawyers professional liability claims, However, Markel is open to discussion with the Insured as to defense counsel selection.
Consent to Settle Provision:
Yes, but if insured rejects settlement the insurance company liability is capped at 50% of the amount for which claim settlement could have been achieved without the Insured's consent to settlement.
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: Yes
Government: No
In-house: No
S
State National Insurance Company
Contact
Andrew A. Biggio
First Indemnity Insurance Agency, Inc.
The Equitable Co-operative Bank Building
87 Oxford St.
Lynn, MA 01901
Phone: 781/581-2500
Email: Andrew A. Biggio
States Where the Carrier Writes:
All states, Puerto Rico, and the Virgin Islands
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
8 Years
Restrictions:
None
Size Guidelines:
Writes firms 1-100
Highest Available Limits of Liability:
$10 million
Deductible:
$1,000 Aggregate
Limits in Excess of Deductible:
Up to $10 million
Defense Costs Included in Limits:
Yes, with optional defense outside limits
Insured's Activities for Entity Not Covered by Policy:
Excludes activities as officer, director, etc. of other entity, except bar organization; activities as partner, officer, etc. of other law firm, if there is other valid insurance, service to enterprise owned in whole or in part by insured or family member.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, excludes coverage for claims arising from "dishonest" or "malicious" wrongful act, but coverage not excluded if the Insured is "not so adjudged."
Prior Acts Coverage:
Yes, provided that the insured did not notify any prior insurer of such act and had no basis to believe, prior to the initial policy period with the Insurer, that any such act might reasonably have been expected to be the basis of a claim.
Input Re: Selection of Counsel:
Yes
Consent to Settle Provision:
Yes, provided insured's consent is not unreasonable withheld. If insured refuses settlement recommended by insurer, insurer's liability limited to recommended settlement amount up to limits.
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, with conditions
Government: No
In-house: No
Swiss Re Corporate Solutions (Underwritten by Westport Insurance Corporation and First Specialty Insurance Corporation, members of the Swiss Re Group)
Contact
Deborah Bjes, JD, CPCU
Head Small and Mid-sized US Lawyers
Swiss Re Corporate Solutions
222 W. Adams St. Ste. 3000
Chicago, IL 60606
Phone: 312/821-3806
Email: Deborah Bjes
States Where the Carrier Writes:
All states and District of Columbia and Puerto Rico; product varies by state.
Do you write professional insurance for judges:
No except in Georgia
# of Years Writing Legal Insurance:
45+ years
Restrictions:
None, but certain practice areas impact premium
Size Guidelines:
Varies by state
Highest Available Limits of Liability:
$15 million each claim and aggregate
Deductible:
Minimum $1,000; maximum varies with number of attorneys
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Varies by state
Insured's Activities for Entity Not Covered by Policy:
Excludes any claim arising out of any insured's activities as such.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, malicious prosecution, abuse of process, defamation.
Prior Acts Coverage:
Full prior acts coverage is available if underwriting criteria is met.
Input Re: Selection of Counsel:
Policy provision reserves company's right to select counsel, but requests will be considered; Choice of Counsel is available by endorsement subject to underwriting criteria.
Consent to Settle Provision:
Insurer will not settle a case without the policy holder's written consent.
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: Yes
Government: No
In house: No
T
Texas Lawyers' Insurance Exchange
Contact
Patricia Peterson
Claims Attorney
Texas Lawyers' Insurance Exchange
1801 S. Mo Pac Expy. Ste. 300
Austin, TX 78746-7551
Phone: 512/480-9074
Toll Free: 800/252-9332
Fax: 512/482-8738
Email: Patricia Peterson
States Where the Carrier Writes:
Texas
Do you write professional insurance for judges:
Yes
If yes, what types of coverage do you provide for judges:
Judicial professional liability
# of Years Writing Legal Insurance:
Since 1979
Restrictions:
No more than 25% of a firm's practice can be in securities; if securities practice exceeds 10% the maximum insurance is $2 million; facultative for firms exceeding these securities practice limits.
Size Guidelines:
Writes firms of all sizes
Highest Available Limits of Liability:
$10 million each claim and aggregate; facultative for higher limits
Deductible:
No minimum; maximum of $500,000
Limits in Excess of Deductible:
Some forms have.
Defense Costs Included in Limits:
Yes, although an expense allowance outside limits may be available as an endorsement.
Insured's Activities for Entity Not Covered by Policy:
Excludes any claim based on or arising out of any insured's services or capacity as such.
Securities Exclusion:
Some forms have.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, also covers punitive and exemplary damages and damages under the Texas Deceptive Trade Practices Act (TDTPA).
Prior Acts Coverage:
May be available depending on circumstances.
Input Re: Selection of Counsel:
Policy provision - the company will consult in advance with the insured regarding selecting of defense counsel.
Consent to Settle Provision:
Insured's consent not required; Insured may appeal to Peer Review Committee.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: A TLIE affiliate agency offers separate cyber liability insurance.
Partners Leaving: Defined as Insureds as long as entity remains insured.
Employed Attorneys Leaving: Defined as Insureds as long as entity remains insured.
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No
Additional other coverages available: Grievance defense, loss of earnings.
Travelers
Contact
Patricia McCarron, CPCU
Managing Director
Travelers
385 Washington St., MC 9275-NB03A
St. Paul, MN 55102-1396
Phone: 651/310-8765
Email: Patti McCarron
States Where the Carrier Writes:
All states except California and Oregon
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1946
Restrictions:
Generally none
Size Guidelines:
Writes firms of 1 to 100 attorneys
Highest Available Limits of Liability:
$10 million
Deductible:
Minimum $1,000 to maximum $500,000.
Limits in Excess of Deductible:
Available inside or outside the deductible
Defense Costs Included in Limits:
Available inside or outside the limits.
Insured's Activities for Entity Not Covered by Policy:
Excluded unless claim arises out of performance of Professional Services. Non-profit D&O sublimit included.
Securities Exclusion:
Yes, excludes promotion, sale, or solicitation of securities by insured.
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Provides coverage for Personal Injury Offenses, including malicious prosecution and defamation.
Prior Acts Coverage:
Yes, provided insured had no knowledge of a prior wrongful act nor any reasonable way to foresee that a claim might be brought.
Input Re: Selection of Counsel:
Mutual selection consideration available.
Consent to Settle Provision:
Insured’s consent required; if refused, will not pay more than the combined total of the proposed settlement offer, the amount of defense expenses incurred prior to the date Insured refused to agree to the offer, and 50% incurred in excess of that combined total.
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
U
Underwriters at Lloyds (Synergy Professional Associates, Inc.)
Contact
Michele McCrohan
Senior Vice President
Synergy Professional Associates, Inc.
100 Passaic Ave. Ste. 145
Fairfield, NJ 07004
Phone: 973/995-0519
Email: Michele McCrohan
Additional Contact
Thomas Dattoli
Synergy Professional Associates, Inc.
100 Passaic Ave. Ste. 145
Fairfield, NJ 07004
Phone: 973/995-0531
Email: Thomas Dattoli
States Where the Carrier Writes:
All states
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2002
Restrictions:
No restrictions, specialize in hard-to-place and difficult area of practice situation and excess lawyers professional.
Size Guidelines:
Writes firms of all sizes, however, prefers accounts under 25 attorneys
Highest Available Limits of Liability:
$2 million each claim and aggregate
Deductible:
Minimum $5,000; no maximum
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Excludes any claim related to insured's performance as such.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, malicious prosecution, abuse of process, defamation.
Prior Acts Coverage:
Yes, included if insured did not have knowledge of an act or personal injury upon which a reasonable attorney would have anticipated a claim.
Input Re: Selection of Counsel:
Policy provision states that selection of counsel shall be made by the company, however, requests will be considered.
Consent to Settle Provision:
Insured's consent required; but if insured refuses settlement the company liability shall not exceed claim expenses and the amount for which the claim could have been 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: Yes
Government: Yes
In-house: No
U.S. Specialty Insurance
Contact
Michele McCrohan
Senior Vice President
Synergy Professional Associates, Inc.
100 Passaic Ave. Ste. 145
Fairfield, NJ 07004
Phone: 973/995-0519
Email: Michele McCrohan
States Where the Carrier Writes:
Arizona, Colorado, Florida, New Jersey, and Texas
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 2019
Restrictions:
No Patent/SEC-Oil/Gas, RE Development
Size Guidelines:
1-35 attorneys
Highest Available Limits of Liability:
$5 million
Deductible:
$1,000-$100,000
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
CEOL available
Insured's Activities for Entity Not Covered by Policy:
Securities Exclusion:
Yes
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes
Prior Acts Coverage:
Available
Input Re: Selection of Counsel:
Available
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
W
Wesco Insurance Company (Synergy Professional Associates, Inc.)
Contact
Michele McCrohan
Senior Vice President
Synergy Professional Associates, Inc.
100 Passaic Ave. Ste. 145
Fairfield, NJ 07004
Phone: 973/995-0519
Email: Michele McCrohan
Additional Contact
David W. Collins, Esq.
Professional Lines Manager
Synergy Professional Associates, Inc.
100 Passaic Ave. Ste. 145
Fairfield, NJ 07004
Phone: 973/995-0520
Fax: 973.936.1466
Email: Dave Collins
States Where the Carrier Writes:
California, Pennsylvania, and Washington
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1991
Restrictions:
No patentor securities
Size Guidelines:
Writes firms of 1-25 attorneys
Highest Available Limits of Liability:
$2 million each claim/$4 million aggregate inWashington. $5 million each claim/$5 million aggregate in California and Pennsylvania.
Deductible:
$0 minimum/$50,000 maximum (CA & PA); No max (WA)
Limits in Excess of Deductible:
Yes – first dollar defense available
Defense Costs Included in Limits:
Yes
Insured's Activities for Entity Not Covered by Policy:
Excluded
Securities Exclusion:
Yes
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes
Prior Acts Coverage:
Available
Input Re: Selection of Counsel:
Available by endorsement
Consent to Settle Provision:
Available by endorsement
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for: CEOL, Mutual choice of counsel, aggregate deductible
Cyber Liability: Yes
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes
Government: No
In-house: No
Wisconsin Lawyers Mutual Insurance Company
Contact
Joseph McCarthy
Wisconsin Lawyers Mutual Insurance Company
725 Heartland Tr.
Madison, WI 53717
Phone: 608/824-1700
Email: Joseph McCarthy
States Where the Carrier Writes:
Wisconsin
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1986
Restrictions:
None, but practice area impacts premium
Size Guidelines:
Writes firms of 25 or fewer attorneys
Highest Available Limits of Liability:
$10 million per claim and aggregate; (facultative to $15 million)
Deductible:
Minimum $1,500; maximum $50,000
Limits in Excess of Deductible:
No
Defense Costs Included in Limits:
Yes
Securities Exclusion:
No exclusion, securities coverage is available
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, defamation
Prior Acts Coverage:
Yes, generally prior acts is provided unless a restriction is noted by retroactive date by specific endorsement.
Input Re: Selection of Counsel:
No provision in the policy, but input is welcome.
Consent to Settle Provision:
Insured's consent required; if insured refuses a settlement or compromise recommended by company and acceptable to claimant, the company shall not be liable for damages or claims expenses in excess of what the claim could have been settled for.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Cyber Liability: Yes, as a separate stand-alone policy
Partners Leaving: Yes, with an extended reporting endorsement (tail)
Employed Attorneys Leaving: Yes, with an extended reporting endorsement (tail)
Part-time Legal Work: Yes
Non-practicing Lawyers: Yes, with an extended reporting endorsement (tail)
Government: No
In-house: No
Z
Zurich
Contact
Sharon Eure Burns
Zurich North America Specialties
One Liberty Plz. 31st Fl.
New York, NY 10006
Phone: 212/553-5651
Email: Sharon Eure Burns
States Where the Carrier Writes:
Alabama, California, Colorado, Connecticut, Florida, Georgia, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, Ohio, Pennsylvania, Tennessee, Texas, Virginia, and Washington
Do you write professional insurance for judges:
No
# of Years Writing Legal Insurance:
Since 1990
Restrictions:
None
Size Guidelines:
Writes firms 1 to 100
Highest Available Limits of Liability:
$20 million
Deductible:
No minimum; maximum varies with number of attorneys
Limits in Excess of Deductible:
State Specific
Defense Costs Included in Limits:
Yes, outside available where allowed and at the discretion of the company.
Insured's Activities for Entity Not Covered by Policy:
Excludes claims arising out of insured's service or capacity as such.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, wrongful prosecution, defamation
Prior Acts Coverage:
Included if the claim was not the subject of any notice given under any other insurance policy and individual firm has maintained continuous coverage.
Input Re: Selection of Counsel:
Policy provision reserves company right to designate defense counsel, with the consent of the insured, which consent shall not be unreasonably withheld.
Consent to Settle Provision:
Insured's written consent required; if the insured refuses to settle the company's liability shall not exceed the amount for which the 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
IP Firms and Tax Shelter Work: No