Capitol Special Risks is a wholesale broker specializing in Lawyers Professional Liability Insurance. We provide agents and brokers access to competitive markets and tailored coverage for legal professionals of all sizes and practice areas. Whether your client is a solo practitioner, an "Of Counsel" attorney, or a multi-state law firm, our program is structured to address the professional, cyber, disciplinary, and reputational exposures attorneys face today.
Ideal Accounts and Appetite
Our Lawyers Professional Liability program fits a broad range of legal practices, including:
- Solo attorneys and small law firms
- Mid-size and large multi-practice firms
- Attorneys working as "Of Counsel" or independent contractors
- Firms engaged in nonprofit board work or legal publishing
We routinely place accounts in practice areas such as civil litigation, family law, real estate, estate planning, and many others. Firms with prior claims are considered; submissions are evaluated on the claim details, current controls, and overall risk profile. Accounts with complex exposures are welcome—our underwriters can often structure layered or enhanced options to address non-standard risk characteristics.
Coverage Highlights and Advantages
Capitol Special Risks works with multiple carriers to deliver a range of features designed for today’s legal environment:
- Pre-Claim Assistance to help mitigate issues before they become formal claims
- Network and Information Security Offense Coverage for cyber-related exposures
- Crisis Event Expense Reimbursement for response and remediation costs
- Mediation Deductible Credit (up to $25,000 reduction)
- Enhanced Settlement Clause to provide more flexible resolution options
- Directors & Officers (D&O) coverage for attorneys’ nonprofit activities
- Publishing Liability and Pro Bono Coverage
- Worldwide Coverage including specified Bodily Injury and Property Damage protections
- Loss of Earnings and Disciplinary Proceeding Expense Reimbursement
- Punitive and Exemplary Damages where allowed by law
- Spousal, Domestic Partner, and Innocent Insured provisions
- Equity Interest and Limited Intra-Firm Services coverage
These options are intended to address both traditional malpractice exposures and newer risks such as cyber incidents and reputational harm.
Underwriting Notes and Minimum Premiums
Minimum premiums depend on firm size, practice mix, and claims history. We provide fast turnaround on quotes and clear comparisons across carrier terms—we do not charge a broker fee. When you submit an account, include a summary of practice areas, current or prior claims, and any risk management protocols (e.g., client engagement letters, file retention policies) to help speed underwriting.
Territories and Availability
This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Some admitted options are available depending on the state—contact our team to confirm admitted vs. non-admitted availability for a specific placement.
Why Work With Capitol Special Risks?
As a specialist wholesale broker in Legal E&O, Capitol Special Risks helps agents navigate carrier appetites, coverage nuances, and underwriting requirements. Our strengths include deep market access, practical underwriting guidance, and an emphasis on rapid, transparent service to help you place competitive, well-structured solutions for your legal clients.
Contact us today to place your Lawyers Professional Liability accounts. Fast turnaround—and we never charge a broker fee!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of law firms are eligible for this program?
We can place coverage for solo attorneys, small to large law firms, and attorneys working independently or "Of Counsel." Firms involved in nonprofit or publishing work are also eligible.
Are firms with prior claims eligible?
Yes, we consider firms with prior claims. Each submission is reviewed based on the details of the claim, firm size, and risk profile.
Is this program available in my state?
Our Lawyers Professional Liability program is available in most states across the U.S. Some admitted options are available depending on the state. Contact us to confirm availability in your area.
What is the turnaround time for quotes?
We offer fast turnaround on submissions, often within a few business days, depending on the complexity of the account.
Do you charge a broker fee?
No, Capitol Special Risks does not charge a broker fee for this program.
Need help placing an account? Connect with a market specialist.