Ideal Accounts and Appetite
This program works well for agents placing accounts such as:
- Solo practitioners and small law firms
- Part-time attorneys working 26 hours per week or less
- Moonlighting attorneys who maintain full-time employment outside private practice
- Mid-sized firms up to 100 attorneys across common practice areas
Commonly accepted areas include general civil litigation, real estate, family law, criminal defense, and estate planning. High-risk or specialty practices typically ineligible include:
- Patent law
- Tax-shelter related work
- Investment counseling
- Class action litigation
Example placements you might write with this program: a solo estate-planning attorney seeking retired-lawyer extended reporting protection, or a part-time municipal prosecutor who needs affordable E&O limits while maintaining primary employment elsewhere.
Coverage Highlights and Advantages
Zurich’s LPL program offers broad, practice-focused protection to address the professional exposures lawyers face:
- Professional liability / Errors & Omissions coverage for alleged malpractice
- Disciplinary proceedings coverage up to $50,000
- Supplemental payments — $1,000 per day for attendance at trials, hearings, or depositions, up to $50,000
- Pre-claim subpoena assistance (subpoena support)
- Third-party cyber coverage for security and privacy wrongful acts for eligible risks
Additional program benefits include unlimited free extended reporting period for qualifying retiring attorneys, worldwide coverage for acts committed anywhere, coverage for former attorneys and staff for work performed on behalf of the firm, a broad definition of legal services, new attorney discounts and innocent insured protections, and access to a risk management hotline and online resources. Claims are handled by experienced Zurich attorneys who understand legal practice nuances.
Underwriting Notes and Minimum Premiums
Zurich offers a range of limits and deductible structures to meet different firm needs. The program is particularly cost-competitive for part-time and moonlighting attorneys through reduced pricing options. Minimum premium specifics are not listed here; contact Zurich or your market specialist for state-specific minimums and appetite exceptions.
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 underwritten through individual member companies of Zurich North America, such as Zurich American Insurance Company.
Why Work With Zurich North America
Zurich brings nearly three decades of dedicated LPL underwriting and claims experience. For agents and brokers this program offers:
- Deep underwriting knowledge and flexible terms for small to mid-sized firms
- Claims handled by former practicing attorneys familiar with legal practice risks
- Competitive options for non-traditional practitioners (part-time and moonlighting attorneys)
- Comprehensive coverage features—disciplinary defense, subpoena assistance, and cyber protection where eligible
- Risk management resources to help reduce exposures before they become claims
If you need assistance placing an account or confirming state availability and pricing, use the Connect with a market specialist link on this page to get direct support from Zurich’s placement team.
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 common legal practice areas such as real estate, family law, civil litigation, criminal defense, and estate planning.
Are there any practice areas that are not eligible?
Yes. Practices involved in patent law, tax-shelter work, investment counseling, and class action litigation are generally not eligible under this program.
Is this program available in all states?
The program is available on an admitted basis in most states listed above (including CA, FL, NY, TX, IL). Availability can vary by state and firm size—contact a market specialist for state-specific details.
What benefits are available for retiring attorneys?
Qualifying retiring solo attorneys may receive a free unlimited extended reporting period, helping preserve protection for prior acts after they leave active practice.
Who handles claims for this program?
Claims are managed by Zurich attorneys, many of whom are former practicing lawyers, providing claims handling with an understanding of legal practice and professional exposures.
Need help placing an account? Connect with a market specialist.