Lawyers Professional Liability Insurance
Help protect your legal practice with Lawyers Professional Liability Insurance from Zurich Programs. Our coverage options are designed for solo lawyers, moonlighting attorneys and small law firms. Our program is managed by professionals with experience handling liability risks for attorneys and law practices.
Business owners: Contact your insurance agent or broker
Insurance agents
Call a specialist now 847-762-7169
Appetite
- Law firms up to 100 attorneys
- Part-time solo attorneys (working fewer than 27 hours per week)
- Moonlighting solo attorneys (having full-time employment not practicing law and spending less than 25% of his/her time in private practice)
- Solo practitioners
Ineligible risks
- Law firms engaged in patent law, tax shelter work or investment counseling
Geography
- Alabama, Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin
Coverage limits
- Up to $5 million per claim and aggregate
Professional Liability/Errors and Omissions, with the following Extensions of coverages:
- Supplemental payments to reimburse an insured for time when appearing at trial/mediations
- Disciplinary proceedings coverage
- Subpoena assistance
- Zurich's longstanding commitment to providing Lawyers Professional Liability Insurance coverage
- Broad definition of legal services
- Various limit and deductible options
- Claims are handled by former practicing attorneys who understand a lawyer's needs
- Coverage for past attorneys and staff for work done on behalf of the firm
- Worldwide coverage
- Free extended reporting period coverage for an insured in the event of total disability or death
- Free extended reporting period coverage for an insured who becomes a state or federal judge
- New attorney discount
- Innocent insured coverage
- Reduced pricing for part-time attorneys
- Reduced pricing for moonlighting attorneys
- Loss prevention hotline and website
- Admitted
Frequently Asked Questions
What is Professional Liability Insurance for lawyers?
Professional Liability Insurance provides coverage for claims made against a lawyer in the rendering of legal services. It can help protect attorneys against claims of negligence, errors or omissions and other acts that may be broadly defined as malpractice.
What is the difference between claims-made and occurrence-based policies?
With a claims-made policy, the claim must be made and reported during the policy period. With an occurrence-made policy, the circumstances that give rise to a claim must occur during the policy period, but the claim can be reported later.
What is “tail coverage” and why do I need it?
An Extended Reporting Period (ERP) Endorsement is also sometimes called “tail coverage.” ERP endorsements extend the time to report a claim past the termination date of the policy. There are very specific requirements for a claim to be covered by an ERP, as well as limitations defined in the endorsement. An ERP is typically not available when a policy is canceled for non-payment. Zurich offers tail coverage at no cost in certain circumstances, such as retirement, death or disability.
What factors affect the cost of Professional Liability Insurance for lawyers?
The price of a policy is determined by factors including but not limited to the number of attorneys, area of practice, the geographic territory, the requested limits and deductible, claims history and risk management practices.