Donald Gaddis Company places hard-to-write and distressed Lawyers Professional Liability (LPL) / Lawyers E&O accounts. Whether you’re working with a solo practitioner, a mid-size firm recently non-renewed for claims activity, or a multi-state practice with unusual exposures, we maintain a fluid list of markets to help you find a solution.
Lawyers E&O is one of the most carrier-dependent lines—underwriting criteria and class definitions vary widely. A practice one carrier views as low risk may be classified very differently by another, producing large premium and coverage differences. We help you navigate those differences so your client gets the coverage they need.
Ideal Accounts and Appetite
We handle a broad range of legal practices, with a focus on hard-to-place and distressed accounts. Typical fits include:
- Firms recently non-renewed or declined by standard markets
- Attorneys with prior claims or high-severity losses
- Practices with higher-risk specialties, such as IP, real estate, securities, or trust & estates with significant asset exposure
- Multi-state practices, fee-splitting arrangements, or non-standard firm structures
You can submit accounts starting around $2,000 in annual premium, but our real value is securing coverage for clients who don’t fit the traditional underwriting box.
Coverage Highlights and Advantages
Many LPL policies include subtle exclusions or restrictive wording (copyright, trademark, securities, regulatory defense, etc.). We review policy language and market options to reduce coverage gaps and identify where supplemental wording or endorsements may be available.
For firms facing premium increases or reduced limits after a loss, we offer realistic placement strategies: short-term protective solutions with higher retentions or restricted limits while mapping a path back to standard markets as the loss history improves.
Underwriting Notes and Minimum Premiums
To start marketing an account we typically need:
- Current coverage status and reason for non-renewal (if any)
- Retroactive date on the current policy
- Number of attorneys and non-attorney staff
- Primary practice areas and states of operation
A completed application speeds the process and we can often use an existing application as a baseline. Because carrier requirements differ, supplemental forms or firm-specific loss narratives may be requested.
Territories and Availability
Our Lawyers Professional Liability markets are available in most admitted states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI.
Why Work With Donald Gaddis Company?
As a wholesale broker specializing in professional liability, Donald Gaddis Company combines deep underwriting know-how with access to multiple carriers. We advocate for your clients in distressed or time-sensitive situations, helping structure placements that protect firms today while positioning them for better markets in the future.
Typical examples you might bring us:
- A mid-size real estate practice recently non-renewed after a title-related claim and needing immediate coverage effective on policy expiration.
- A solo IP attorney with several past claims seeking limits and policy wording that address copyright and trademark exposure.
Whether you need a quick turnaround on an expiring policy or a longer-term strategy to rehabilitate a firm’s underwriting profile, we provide market access and practical placement plans.