Ideal Accounts and Appetite
This program is a strong fit for:
- Solo practitioners and small law firms
- Part-time attorneys working 26 hours per week or less
- Moonlighting attorneys with full-time employment outside private legal practice
- Firms with up to 100 attorneys across a range of legal disciplines
Commonly accepted areas of practice include general civil litigation, real estate, family law, criminal defense, and estate planning. However, certain high-risk areas are ineligible, including:
- Patent law
- Tax shelter-related work
- Investment counseling
- Class action litigation
Coverage Highlights and Advantages
Zurich’s LPL program offers a broad set of protections designed to help shield legal professionals from the financial and reputational risks associated with malpractice allegations and related exposures:
- Professional Liability / Errors & Omissions coverage
- Disciplinary Proceedings coverage up to $50,000
- Supplemental Payments – $1,000 per day for attendance at trials, hearings, or depositions, up to $50,000
- Subpoena (pre-claim) assistance
- Cyber coverage for security and privacy wrongful acts (Third-Party Cyber) for eligible risks
Additional program benefits include:
- Free unlimited extended reporting period for attorneys retiring, becoming judges, or facing permanent disability or death
- Worldwide coverage for acts committed anywhere
- Coverage for former attorneys and staff for work performed on behalf of the firm
- Broad definition of legal services for expanded protection
- Claims handled by experienced attorneys who understand legal practice
- New attorney discounts and innocent insured coverage
- Access to a risk management hotline and online resources
Underwriting Notes and Minimum Premiums
Zurich offers a wide range of limit and deductible options to meet the needs of different law practices. While minimum premium information is not specified, the program offers reduced pricing for part-time and moonlighting attorneys, making it a cost-effective choice for non-traditional practitioners and smaller firms.
Territories and Availability
This Lawyers Professional Liability program is available on an admitted basis in most states, including AL, AZ, CA, CO, CT, FL, GA, HI, IL, KS, KY, MA, MD, ME, MI, NC, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, VA, VT, WA, and DC. Coverage is written through individual member companies of Zurich North America, such as Zurich American Insurance Company.
Why Work With Zurich North America
Zurich is a trusted name in professional liability with nearly three decades of dedication to the legal sector. Their depth of underwriting expertise, claims handled by former practicing attorneys, and commitment to risk management support make them a valuable partner for agents and brokers placing legal industry accounts. With flexible coverage terms, competitive pricing for non-traditional attorneys, and broad appetite for small to mid-sized firms, this program is designed to help you meet the unique needs of your legal clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for solo practitioners, small to mid-sized law firms (up to 100 attorneys), part-time and moonlighting attorneys, and firms engaged in general legal practice areas.
Are there any practice areas that are not eligible?
Yes, practices involved in patent law, tax shelter work, investment counseling, or class action litigation are not eligible for coverage under this program.
Is this program available in all states?
The program is available in most states, including CA, FL, NY, TX, IL, and others. It is written on an admitted basis in all available states.
What are some benefits for retiring attorneys?
Retiring solo attorneys who qualify receive free unlimited extended reporting period coverage, helping them maintain protection even after leaving active practice.
Who handles the claims for this program?
Claims are managed by former practicing attorneys at Zurich who understand the nuances of legal practice, ensuring knowledgeable and responsive claims service.
Need help placing an account? Connect with a market specialist.