Attorneys Advantage Professional Liability Insurance Program
The Attorneys Advantage program, administered by Affinity Specialty Program Network (ASPN), delivers professional liability (malpractice) insurance specifically for law firms with 1 to 50 attorneys. Backed by more than a decade of underwriting experience and strategic carrier relationships—including Liberty Insurance Underwriters Inc. (a Liberty Mutual company) and SPARTA Insurance Company—this program has placed coverage for over 21,000 attorneys nationwide.
Overview for Agents and Brokers
Attorneys Advantage is built for agents who need a reliable, straightforward market for lawyers and law firms. The program combines online submission and purchasing for qualifying accounts with hands-on underwriting for more complex risks. ASPN also accesses alternative market solutions when standard placement is difficult, giving you options for clients with prior claims or niche practices.
Ideal Accounts and Appetite
Attorneys Advantage fits a wide range of law practices, particularly:
- Solo practitioners and small to mid-sized firms (up to 50 attorneys)
- General practice and common specialty areas with established risk-management processes
- Firms seeking competitive rates and practical coverage wording
- Hard-to-place firms that may be eligible through ASPN’s alternative market placements
Appetite is broad but focused on firms that maintain professional controls and file-handling procedures. Extremely high-exposure specialties or firms with ongoing, large indemnity histories should be submitted for review—ASPN can often identify a standard or alternative route rather than a hard declination.
Coverage Highlights and Advantages
- Professional liability coverage available across the United States
- Underwritten by Liberty Insurance Underwriters Inc. or SPARTA Insurance Company, with alternative-market access for difficult risks
- Online application and bind options for eligible accounts to speed placement
- Competitive rates, flexible limits, and tailored coverage structures for firm size and practice mix
- Dedicated legal-liability underwriting and servicing team for responsive support
ASPN complements coverage with proactive risk-management services designed to reduce claims frequency and severity.
Risk Management and Value-Added Services
Policyholders receive several practical resources:
- The Quarter Hour – a quarterly risk-management newsletter for policyholders
- Confidential risk-management hotline for claim avoidance consultation
- Access to the Attorneys Risk Management Resources Website, managed by Hinshaw & Culbertson LLP
- Periodic risk-management seminars and materials focused on claim prevention
These services help insured firms tighten procedures, reduce exposure, and demonstrate sound risk controls to underwriters.
Additional Coverages
Attorneys Advantage also places related coverages commonly needed by law firms:
- Business Owners Policy (BOP): Property and liability protection for offices, equipment, client files, and law libraries
- Workers’ Compensation: Available for new and existing firms with streamlined billing and quick turnarounds
- Employment Practices Liability: Defense and indemnity for employment-related claims
Underwriting Notes and Minimum Premiums
Minimum premiums vary by firm size, state, and risk profile. ASPN works with agents to evaluate submissions and determine whether an account fits a standard carrier or requires alternative-market placement. Provide detailed exposure information, claims history, and risk-management documentation to accelerate review.
Territories and Availability
Attorneys Advantage is available in all 50 states and Washington, DC. Coverage may be placed on a non-admitted basis depending on the carrier and state regulations.
Why Place Legal Professional Liability with ASPN
ASPN specializes in legal-professional programs and combines deep sector knowledge with access to primary and alternative markets. You’ll get responsive underwriting, risk-management tools for your clients, and the flexibility to place both routine and challenging accounts. Whether you need a quick, online bind for a qualifying solo practitioner or a tailored placement for a firm with prior claims, ASPN offers practical solutions and service to help you close the business.
Example accounts
- A single-attorney general-practice firm seeking an affordable primary malpractice policy and online bind capability.
- A 15-attorney mid-sized firm with a prior small claim but solid risk-management programs — submitted to ASPN for standard or alternative placement.
Insurance license information