Overview of the Program From Amwins Underwriting
Amwins Underwriting’s LawGold program provides professional liability (Lawyers E&O) designed specifically for small law firms and solo practitioners. The program is geared to firms that need tailored E&O protections, flexible optional enhancements, and access to admitted paper in many states. Coverage is issued through Amwins Program Underwriters and underwritten with an emphasis on straightforward risks and clean or minimal loss histories.
Ideal Accounts and Appetite
- Solo attorneys and small law firms of 1–40 attorneys.
- Clean or minimal prior loss history; some affirmative consideration for firms with limited, well-managed prior claims.
- Solo attorneys or at least one partner should have been admitted to practice for at least two years.
- Practices without extensive high-exposure specialties (e.g., mass torts, large transactional platforms, or frequent class actions) are the best fit.
Coverage Highlights and Advantages
- Professional liability (errors & omissions) limits appropriate for small law firms.
- Electronic media liability included to address risks from online communications and content.
- Worldwide coverage available for professional services, subject to policy terms.
- Predecessor firm coverage to protect newly merged or reorganized practices.
- Optional coverages to broaden protection, including:
- Separate limit for claims expenses
- Client identity theft coverage
- Broadcasters liability
- Career coverage
- Trustees liability coverage
- Gramm-Leach Bliley Act (GLBA) coverage
- Lateral hire coverage
Underwriting Notes
Underwriting focuses on the firm’s practice areas, claims history, attorney experience, and risk management controls. Expect underwriters to ask for:
- Prior acts and loss history details
- Resume or biography for principals/partners showing admission dates and experience
- Information on firm procedures for conflicts, client intake, and data security when optional cyber/identity products are requested
Firms with significant or recurrent malpractice claims, high-volume transactional work, complex litigation exposures, or specialty practices outside the program’s appetite may be declined or referred to excess/non-program markets.
Territories and Admitted Status
The LawGold program is available in all U.S. states and Washington D.C. Amwins offers admitted coverage in select states. Admitted coverage is available in: AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV. Non-admitted or excess options may be available in other jurisdictions—confirm state placement options with Amwins underwriting.
Example Accounts That Fit This Program
- A two-attorney family law firm with clean prior history seeking a policy that includes electronic media coverage and optional client identity theft protection.
- A solo transactional attorney admitted for five years looking for admitted paper in their state and predecessor coverage after a recent firm name change.
Why Work With Amwins Underwriting on Lawyers E&O
- Program-focused underwriting tailored for small law firms and solo practitioners.
- Admitted paper in many states combined with optional enhancements that let you tailor protection to the client’s exposures.
- Simple eligibility guidelines that help agents place straightforward risks quickly.
- Access to Amwins’ broader distribution and program resources when accounts need placement support or endorsement tailoring.
For additional program details, application instructions, and submission requirements, refer to the LawGold product page: Click here for additional details about our LawGold program.
Frequently Asked Questions
What types of accounts are a good fit for LawGold?
LawGold targets solo attorneys and law firms with 1–40 attorneys that have clean or minimal loss histories and at least one partner or solo attorney admitted for two or more years. Routine practice areas and firms without frequent high-exposure litigation are ideal.
Is admitted coverage available?
Yes. Amwins offers admitted LawGold coverage in select states (including AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV). Availability varies by state—confirm with underwriting at submission.
What optional coverages can I add for a client?
Options include a separate limit for claims expenses, client identity theft coverage, broadcasters liability, career coverage, trustees liability, GLBA coverage, and lateral hire coverage. Availability depends on underwriting and the client’s exposures.
What information does underwriting typically require?
Underwriters generally request prior acts/loss history, resumes or admissions dates for principals, descriptions of practice areas, and details on firm risk controls—especially if optional cyber/identity protections are requested.
How should I submit a deal or get more information?
Submit via your usual Amwins placement channels or contact the Amwins Underwriting team for guidance on eligibility, admitted availability by state, and submission checklists.
Need help placing an account? Connect with a market specialist.