Overview of the Program From Chittenden Insurance Group
Chittenden Insurance Group offers a comprehensive Lawyers Professional Liability program designed to help agents and brokers place coverage for law firms across Maine, Massachusetts, New Hampshire, and Vermont. Backed by top-rated carriers including Great American Insurance Company, Hartford Insurance Company, X/L Insurance Company, and St. Paul Travelers, this non-admitted program provides tailored protection for legal professionals navigating complex liability exposures.
Ideal Accounts and Appetite
This program is best suited for small to mid-sized law firms, solo practitioners, and firms employing independent contractors or per diem attorneys. It supports a broad range of legal specialties, including civil litigation, family law, estate planning, and real estate law. Firms with clean claims histories and a commitment to risk management are a strong fit.
You might have a client who operates a two-attorney practice focused on family law or a small firm with a mix of real estate and estate planning work—they would be ideal candidates for this program.
Coverage Highlights and Advantages
- Career Coverage: Full career coverage is available for eligible firms.
- ERP Flexibility: Liberal Extended Reporting Period (ERP) options, including a free 60-day tail and optional unlimited tail coverage.
- Two-Way Tail: True two-way tail coverage for added protection.
- Defense Cost Support: Full coverage for successfully defended disciplinary hearings and $10,000 reimbursement for unsuccessful ones.
- Loss of Earnings: Up to $10,000 for attending disciplinary hearings.
- Non-Profit Work: $50,000 in claims expense coverage for non-profit D&O activity.
- Territory: Worldwide coverage territory.
- Policy Enhancements: Deductible is reduced by 50% when arbitration or mediation is used.
Underwriting Notes and Minimum Premiums
This is a non-admitted program with underwriting focused on firm size, practice areas, and claims history. While no minimum premium is specified, pricing is competitive and designed to accommodate a range of firm sizes and risk profiles. Agents are encouraged to present complete submissions to expedite underwriting review.
Territories and Availability
The Lawyers Professional Liability program is available to agents placing business in the following states:
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- Vermont (VT)
Why Work With Chittenden Insurance Group
Chittenden Insurance Group offers deep expertise and market access in the professional liability space. With relationships across several leading carriers, they provide agents with flexible solutions and responsive service. Whether you're placing coverage for a solo practitioner or a growing firm with multiple attorneys, Chittenden can help you deliver the right protection at the right terms.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to mid-sized law firms, solo attorneys, and firms with independent contractors or per diem lawyers are ideal. Practices focused on civil litigation, family law, or estate planning are typically a good match.
Is this program admitted or non-admitted?
This is a non-admitted program, supported by established carriers such as Great American and Hartford.
In which states is this program available?
The program is available in Maine, Massachusetts, New Hampshire, and Vermont.
Does the policy include coverage for disciplinary hearings?
Yes. It includes full defense cost coverage for successfully defended hearings and a $10,000 reimbursement if the hearing is unsuccessful.
Are extended reporting period (ERP) options available?
Yes. The program offers a free 60-day tail, options for extended tails including unlimited terms, and a true two-way tail provision.
Need help placing an account? Connect with a market specialist.