The LawyerGuard program has delivered Lawyers Professional Liability coverage to firms across the U.S. for over 35 years. With deep expertise in the legal industry, our program is designed to help address the unique risks attorneys face, offering broad coverage, robust risk management support, and exceptional service.
Coverage is available for law firms ranging from solo practitioners to mid-sized practices, with admitted solutions for firms with between 1 and 100 attorneys through our long-standing relationship with QBE. Our surplus lines and excess products, backed by highly rated carriers, extend coverage to firms with 6 to 100 attorneys, offering limits up to $5,000,000 per claim and aggregate, with additional excess capacity available.
LawyerGuard’s Preferred Program for defense firms, available through our exclusive relationship with DRI, features enhanced coverage for firms with 51% or more in civil defense practice. This specialized offering reflects our commitment to supporting the evolving needs of defense attorneys nationwide.
Policyholders benefit from broad coverage options, including expansive definitions of legal services, supplementary coverages, and flexible solutions tailored to firm size and practice focus. Our underwriting team brings decades of experience, offering responsive service and expert guidance every step of the way.
Whether providing admitted or surplus lines solutions, we always aim to deliver insurance solutions that help law firms manage malpractice risk, protect their reputation, and operate with confidence.
Coverage is available for law firms ranging from solo practitioners to mid-sized practices, with admitted solutions for firms with between 1 and 100 attorneys through our long-standing relationship with QBE. Our surplus lines and excess products, backed by highly rated carriers, extend coverage to firms with 6 to 100 attorneys, offering limits up to $5,000,000 per claim and aggregate, with additional excess capacity available.
LawyerGuard’s Preferred Program for defense firms, available through our exclusive relationship with DRI, features enhanced coverage for firms with 51% or more in civil defense practice. This specialized offering reflects our commitment to supporting the evolving needs of defense attorneys nationwide.
Policyholders benefit from broad coverage options, including expansive definitions of legal services, supplementary coverages, and flexible solutions tailored to firm size and practice focus. Our underwriting team brings decades of experience, offering responsive service and expert guidance every step of the way.
Whether providing admitted or surplus lines solutions, we always aim to deliver insurance solutions that help law firms manage malpractice risk, protect their reputation, and operate with confidence.
Admitted
Insurer: Insurance written by carriers rated “A” by A.M. Best
Jurisdiction: All U.S. states except Alaska and Oregon
Admission: Admitted
Limits: Up to $5,000,000
Target Appetite:
Firms with 1 to 100 full-time attorneys that engage in:
- General practice (private)
- Most other areas, including but not limited to:
- Banking / Financial Institutions (up to 25%)
- Collections
- Entertainment (excludes high profile)
- Patent Litigation
- Plaintiff Work BI / PI
- Real Estate Work
- Securities (up to 15%)
Firms that have operations with:
- Revenue per attorney between $200,000 and $400,000
- No single client that is a high percent of the firm’s revenue (excludes insurance companies)
- Conflict checks solid
- Docket control (dual and independently monitored)
- Engagement letters are always utilized
- Firm Receivables (low % > 180 days)
- Fee Suits (limited number)
- Prefer no Officer / Director / Ownership in client
Coverage Features:
- 1, 2, 3, 5 year and unlimited tail options included in policy (includes 60-day automatic ERP)
- Claim Expenses Outside Limits*
- Coverage for Independent Contractors and Of Counsels
- Coverage for punitive damages on a “most favorable law” basis
- Crisis event coverage
- Death / disability tails included
- Express coverage for malicious prosecution under the definition of personal injury
- High loss of earnings and disciplinary defense coverage limits
- Liberalization Clause
- Loss Only and Aggregate Deductibles*
- Mutual choice of counsel
- No deductible for claims from pro bono work
- Ownership interest in clients up to 20%
- Pre- / post-judgment interest (where allowable by law)
- Pre-claim assistance
- Primary coverage
- Provides a 50% reduction in the deductible if the claim is settled through mediation (subject to a $25,000 maximum)
- Retirement tail with no minimum retirement age included
- Soft hammer clause
- Subpoena assistance coverage
*Available to qualifying firms.
The Preferred Program for Defense Attorneys
LawyerGuard has been the only Lawyers Professional Liability insurance program endorsed by the DRI – The Voice of the Defense Bar. As the preferred program for defense attorneys, LawyerGuard is designed for law firms of all sizes engaged in at least 51% defense work and is open to DRI members and non-members.
Program Highlights:
- Automatic 10% reduction in the deductible
- An additional premium credit of 10 to 15%
- An endorsement to the policy that eliminates five exclusions
- Subpoena assistance coverage uncapped
Non-Admitted
Insurer: Insurance written by carriers rated “A+” by A.M. Best
Jurisdiction: All U.S. states except Alaska and Oregon
Admission: Non-Admitted
Limits: Up to $5,000,000
Target Appetite:
Admitted appetite in addition to the following:
- Plaintiff Bodily Injury / Property Damage (over admitted case values)
- Class Action
- Intellectual Property
- Entertainment
- Claim Activity (severity / frequency over admitted thresholds)
- Collections / Repossession (greater than $3M limits and over 50% AOP)
- Immigration practice including investment immigration practice (i.e., EB-5)
- Real Estate (over admitted transaction values)
- Lapses in Coverage
- Environmental Law (Litigation)
- Oil / Gas / Natural Resources (includes consideration for mining)
- Additional or manuscript coverage requests
- Gaming Law
- Energy Law
- Cyber Law
- Aviation Law
- Product Liability
Coverage Features:
- Primary and Excess coverage
- Follow Form Excess coverage
- Risk management and loss control services
- Expansive definition of professional services
- Full prior acts and predecessor coverage available
- Supplementary coverage available including:
- Crisis event coverage up to $20,000 per event
- Disciplinary proceeding defense up to $30,000 per proceeding
- Loss of earnings up to $500 per day / $15,000 per claim
- Subpoena coverage up to $25,000
- Named insured has the right to consent to settlement
- Reduced deductible for claims settled using mediation
- 50/50 Softened Hammer Clause
- No deductible for claims arising from pro bono services
- Punitive damages coverage (if insurable under applicable law)
- Tail coverage available including:
- Tails for 1, 2, 3, or 5 Years
- Retirement Tail included
- Death / Disability Tail included
