Legal malpractice
Keep practice areas, insured lawyers and professional services aligned with the firm's actual work.
Law Firms
Law Firm Insurance.
Law firm insurance should connect practice areas and prior work with coverage for the firm, its lawyers, client information and entrusted funds.
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What we look at.
Continuity of coverage
Review prior acts and reporting terms before a lawyer departs, the firm merges or a policy changes.
Client funds and data
Compare crime and cyber terms for trust funds, employee theft and deceptive payment instructions.
Lawyers Professional Liability
Liability arising from legal services. Review practice areas, prior acts, reporting and changes in firm structure.
Cyber Liability
Incident response, liability and selected first-party losses. Review security conditions, business interruption and fraud provisions.
Crime
Employee dishonesty and selected fraud losses. Examine trust funds, payment procedures and social-engineering provisions.
Employment Practices Liability
Employment-related claims such as discrimination or wrongful termination. Review defense, retention and wage-and-hour restrictions.
Office Package
Premises liability and office property for eligible businesses, with separate treatment of professional and cyber exposures.
Workers Comp
Review payroll, classifications, work locations and employer's liability. Statutory requirements vary by state and circumstances.
Umbrella
Additional liability limits over scheduled underlying policies. Check exclusions, attachment and whether terms follow the primary coverage.
Questions & answers
Good questions to ask.
What should happen to malpractice coverage when a lawyer leaves?
Review the departing lawyer's prior work, insured status and reporting arrangements under both firms' policies. Address prior acts or tail options before departure; coverage does not follow a lawyer automatically in every situation.
Does tail coverage insure new legal work?
Tail coverage extends reporting time for certain claims relating to earlier covered work. It generally does not insure new services after the policy ends; review the endorsement's dates, duration and other terms.
Does a crime policy cover money held for clients?
Check explicitly. Review whose money is covered, theft by employees or partners, and social engineering provisions. Trust-account procedures and payment verification should match any conditions in the policy.
Do defense costs reduce the malpractice limit?
They can. Compare whether defense is inside or outside the limit, how the deductible applies, and whether related claims share one limit. These details can change the amount available for settlement.
From our journal
Related articles.
Industry and coverage references
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