Ø Carrier rated A- “Excellent” XI by A.M. Best & Company
Ø Program limits of liability up to $5 Million, higher limits may be available per carrier
Ø Several deductible options available, including zero dollar and aggregate deductibles
Ø Claims expense outside the limits available for most classes
Ø Claims made & reported, pay on behalf & duty to defend policy form
Ø Prior acts coverage
Ø Coverage provided for independent contractors and “of counsel”
Ø Broad definition of professional legal services; includes notary public, title insurance agent, publication or presentation of research papers or similar materials
Ø Coverage extension for lawful spouse, domestic partner, estate and legal representative
Ø Predecessor firm coverage included
Ø Innocent insured coverage
Ø Worldwide coverage
Ø Automatic 60 day extended reporting period from termination of policy
Ø Optional extended reporting options for 1 year, 2 years, 3 years, 5 years and unlimited
Ø Free extended reporting related to death, total & permanent disability in addition to retiring attorneys if insured continuously for 3 years with carrier
Ø Liberal equity interest exclusion
Ø Loss of earnings $500 a day max of $50,000
Ø Disciplinary proceedings $25,000 each insured, max of $100,000
Ø 50% deductible for settlement of medicated claims
Ø Ability to quote from competitors application
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Disclaimer Notice - The premiums quoted are estimates based on information you provided. This quotation does not constitute a contract of insurance, nor does it provide coverage for any loss or claim. Coverage can only be bound by an agent with a signed application and a down payment.
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