Overview of the Program From NSM Insurance Group

This program is written through NSM Insurance Group as a managing general agency that partners with multiple carriers to place legal and dental professional liability (E&O / malpractice) coverage. NSM brings experience in underwriting niche professional risks and works with independent agents and wholesale brokers to deliver solutions across most states.

Ideal Accounts and Appetite

• Law firms and solo practitioners — general practice, transactional, corporate, family law, estate planning, real estate, and other lower-to-moderate litigation exposures.
• Dental practices — general dentistry, pediatric dentistry, endodontics, periodontics and routine specialty practices without high-risk surgical exposure.
• Mid-sized practices seeking flexible limits, tail options, and risk management support from carriers familiar with professional liability for these professions.
• Accounts generally considered outside appetite: heavy surgical dental practices with hospital-based procedures, high-risk litigation boutiques, or firms with multiple recent claims — each subject to carrier review.

Coverage Highlights and Advantages

• Program access to various admitted and non-admitted carriers to improve placement options for challenging risks.
• Underwriting that considers practice size, claims history, risk controls, and risk management practices rather than relying on a single class rating.
• Flexible policy features typically available include disciplinary defense, coverage for incidental services, and limits tailored to the client’s exposure (carrier-dependent).
• Responsive quoting and binding through NSM’s underwriting team — designed to help agents place business quickly and efficiently.

Underwriting Notes and Minimum Premiums

Underwriting is handled by NSM’s professional liability specialists. Common submission requirements include applications, supplemental schedules for practice detail, current loss runs, and CVs for owners/partners where relevant. Minimum premiums vary by state and carrier; NSM typically places accounts with competitive minimums but exact figures depend on the risk and jurisdiction.

Typical Submission Checklist

• Completed application and supplemental (law or dental).
• Current loss runs (5 years preferred).
• Summary of practice operations and any risk management protocols.
• Resumes or bios for principals (for smaller firms and specialists).

Territories and Availability

Available in most states (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC). Admitted availability varies by carrier and state; NSM can place both admitted and non-admitted policies depending on market access and the insured’s needs.

Why Work With NSM Insurance Group on This Business

• Specialized underwriting for lawyers and dental professionals — not a generalist approach.
• Access to multiple carrier partners improves chances of placement for difficult or non-standard risks.
• Fast, broker-friendly service model designed for independent agents and wholesale operations.
• Practical guidance on risk control and documentation to help reduce friction during underwriting.

Example Scenarios

• You have a three-attorney real estate and estate planning firm with clean loss history seeking a tailored professional liability quote and flexible limits — this program can provide multiple carrier options to compare coverage features and pricing.
• A suburban dental practice offering general and restorative dentistry needs malpractice coverage with disciplinary defense included; NSM can route the account to carriers with appropriate dental appetite and underwriting sensitivity to procedural mix.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.