Do your clients have the right Lawyers/Attorneys Professional Liability (E&O) Insurance?
Overview of the Program from Tennant Risk Services
Tennant provides access to multiple admitted and non-admitted markets and tailored policy forms designed for law firms, individual attorneys, trustees, judges, and related legal service providers. We combine underwriting experience in lawyers professional liability with risk management resources to help brokers place complex or higher-exposure accounts.
Ideal Accounts and Appetite
- Law firms of all sizes (sole practitioners to multi-attorney firms)
- Employed/in-house attorneys, part-time lawyers, trustees and judges
- Legal service providers and legal data vendors
- Higher-exposure specialty practices: IP, securities, class actions, estate/trust/probate, real estate/foreclosure, collections, plaintiff litigation
- Accounts with adverse loss history, disciplinary proceedings, unusual business models, or startup/legal tech operations
Coverage Highlights and Advantages
- Variety of limit and deductible options to fit firm size and risk tolerance
- Defense outside the limits and first dollar defense available on select placements
- Risk management services and resources available to help reduce claim frequency
- Optional or packaged Cyber Risk and Employment Practices Liability (EPL) coverage where appropriate
- Special provisions and bespoke wording available for unique exposures
Underwriting Notes and Minimum Premiums
Underwriting evaluates practice areas, revenue, claims and disciplinary history, staff supervision, conflict controls, and risk management practices. Tennant has experience placing tougher accounts — sole practitioners, higher exposure specialties, and firms with past claims or disciplinary matters. Minimum premium varies by carrier and risk; discuss specific minimums with Tennant underwriters when submitting an account.
Territories and Admitted Status
Available in: 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, DC, WV, WI, WY. Tennant places coverage through multiple markets; admitted coverage is available in some states and excess & surplus (non-admitted) options are used where needed.
Typical Account Examples
- Sole practitioner with specialized practice — $1M limit placement example (premium varies).
- Intellectual property specialist requiring higher limits and bespoke wording — $1M limit placement example.
- Specialty practice group with prior claims requiring higher limits and tailored conditions — $3M limit placement example.
- General practice with real estate concentration — lower premium placement example for lower exposure accounts.
Why Work With Tennant Risk Services
Tennant combines niche underwriting expertise with access to multiple carrier markets and practical risk management support. As an MGA and E&S broker, Tennant can help brokers place admitted business where available and non-admitted placements when appropriate. Their team is positioned to handle tougher submissions, provide competitive terms, and advise on specialty coverage needs for lawyers and related professionals.
For more information on lawyers/attorneys E&O, to discuss a specific client challenge, or to submit an account, please call or email (
[email protected]). We look forward to working with you!
Frequently Asked Questions
What types of law firms are a good fit for this program?
Tennant will consider firms of all sizes: sole practitioners, small and mid-sized firms, specialty boutiques, and in-house counsel. The program is particularly well suited for higher-exposure specialties (IP, securities, estate/trust/probate, real estate) and accounts that need tailored wording or risk management support.
How does Tennant handle accounts with prior claims or disciplinary history?
Tennant has experience placing accounts with adverse loss experience or disciplinary matters. Submissions should include loss runs and explanations; underwriting evaluates the severity, remediation steps, and current controls to determine market options and terms.
Are admitted policies available or is this strictly non-admitted placement?
Tennant works with multiple carriers and can place admitted coverage in select states; non-admitted (E&S) options are available where appropriate. State availability and admitted status depend on the carrier and the specific risk.
Can Tennant add cyber liability or employment practices coverage to an E&O placement?
Yes—Cyber Risk and EPL options can be provided alongside lawyers professional liability on many accounts. Availability depends on the carrier appetite and the insured’s exposures, claims history, and controls.
What information should I include when submitting an account?
Provide firm size, revenue, practice area breakdown, prior claims/loss runs, any disciplinary history, risk management procedures, and desired limits/deductibles. The more detail you include, the faster Tennant can assess market options and provide competitive terms.
Need help placing an account? Connect with a market specialist.