Contract Litigation Insurance

Ideal Accounts and Appetite

This program is designed for businesses and individuals who are already involved in active contract disputes and need protection from the risk of paying an opponent’s legal fees. Coverage is event-driven and must be purchased within the first 12 months of active litigation, making it a timely placement opportunity for producers working a live matter.

Typical fits include—but are not limited to—plaintiffs or defendants in disputes over vendor or supplier agreements, partnership and shareholder disagreements, employment- and non-compete-related claims, and service or performance contracts. There are no strict limits on industry or business size; the program underwrites each matter on its individual facts.

Example scenarios:

• A startup pursuing a former partner for breach of a non-compete and seeking coverage to avoid a potentially ruinous fee award if the case is lost.
• A mid-sized manufacturer defending against a breach of supply contract where CLI can improve settlement leverage and cap downside exposure.

Coverage Highlights and Advantages

• High coverage limits available to match the exposure of the dispute
• Coverage written for both plaintiffs and defendants
• Policy period covers the full duration of the lawsuit from purchase until resolution
• One-time premium payment that is fully earned at binding
• No deductible
• Efficient one-page application to expedite submissions
• Responsive underwriting with quick turnaround
• Dedicated underwriters available to support complex or time-sensitive matters
• Full commission paid on accepted accounts

CLI fills a gap most commercial policies exclude: the risk of paying the opposing party’s attorney fees. Offering this coverage can change litigation strategy, improve settlement outcomes, and give clients greater confidence in pursuing or defending claims.

Underwriting Notes and Minimum Premiums

Coverage must be placed within the first 12 months of active litigation. Underwriting is case-specific and focuses on the strength of the claim/defense, the jurisdiction, the parties involved, and potential fee exposure. The straightforward one-page application captures essential facts so underwriters can quickly assess risk.

Minimum premium and pricing vary depending on case particulars and requested limits. Early placement in the litigation lifecycle can be beneficial for pricing and binding; discuss timing with our underwriting team when you prepare a submission.

Territories and Availability

CLI is available across all 50 U.S. states and Washington, D.C. Caitlin Morgan Insurance Services works with multiple carrier partners and can provide admitted or non-admitted placements depending on jurisdiction and case details. Please confirm availability for a specific state or matter when you submit.

Why Work With Caitlin Morgan Insurance Services

As a wholesale broker and managing general underwriter with specialty program experience, Caitlin Morgan Insurance Services focuses on niche products that help agents win and retain business. Their underwriters combine fast turnarounds with tailored guidance so you can place time-sensitive, event-driven accounts confidently. Working through Caitlin Morgan gives you access to multiple markets and placement options for hard-to-place litigation exposure.

Frequently Asked Questions

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