Backed by an A+ rated (AM Best) carrier

Professional liability coverage for law firms.

Errors and omissions insurance for firms of up to 20 attorneys. Written on A+ rated (AM Best) paper. Limits to $5M; deductibles from $2,500; prior acts and predecessor firm coverage available.

Attorney desk with insurance law and liability books overlooking city skyline
A+
AM Best financial strength rating of the underwriting carrier
A+ (Superior) AM Best carrier
Up to $5M in capacity
Nationwide program
1-855-348-7475 to speak with us
/ 01
A+
AM Best rated carrier
/ 02
$5M
Available capacity
/ 03
$2,500
Deductibles as low as
/ 04
≤ 20
Attorneys per firm
Attorneys shaking hands over a financial strength and proven results portfolio
Art. I — Financial strength

The carrier behind the policy.

The financial strength of the carrier behind a professional liability program matters. This program is written on paper rated A+ (Superior) by AM Best, the second-highest of AM Best's financial strength ratings. Coverage is available up to $5M. All terms, conditions, and exclusions are governed solely by the issued policy.

/ security

A+ rated paper

Coverage placed with a carrier rated A+ (Superior) by AM Best.

/ capacity

Limits to $5M

Meaningful limits for firms of one to twenty attorneys.

/ defense

Real defense

Additional defense-cost options that can sit outside your limit.

/ service

Direct access

Talk to a person at 1-855-348-7475, not a call tree.

Art. II — The exposure

The exposure is the defense, not only the judgment.

Professional liability isn't about admitting fault. It's about who pays when a client disagrees with your work — because someone always has to.

01

Defense costs

A substantial share of legal malpractice claims close without payment to the claimant. The defense is billed regardless of outcome. The policy responds to those costs; absent coverage, they are borne by the firm.

02

Claims-made form

Legal professional liability is written claims-made and reported. Coverage responds to claims first made during the policy period for work performed on or after the retroactive date. Continuity of coverage, prior acts, and predecessor firm terms determine what prior work remains covered.

03

Carrier financial strength

Indemnity is only as reliable as the insurer's balance sheet. Coverage on this program is written on A+ (Superior) AM Best-rated paper.

Art. III — Coverage

Coverage terms.

Program highlights below. Terms, limits, and availability are subject to underwriting and the issued policy — described coverage may not apply to every firm or state.

What's included in the program

$5M capacity available
Deductibles as low as $2,500
Premiums from $2,500 for eligible firms
Personal injury may be within professional services
Aggregate deductible options
Predecessor firm coverage
Disciplinary & mediation credit
Defense costs structures vary by policy
/ endorsement

Soft Hammer Clause

A stronger voice in settlement decisions, without a hard consent-to-settle penalty against you.

/ endorsement

Disciplinary Defense Limit

A dedicated limit toward defending bar and licensing board proceedings.

/ endorsement

Subpoena Assistance

Support when your firm is served a subpoena for client-related records.

/ endorsement

Crisis Event Expenses

Funds a reputation and communications response after a covered event.

/ endorsement

Mediation Deductible Credit

A credit that rewards resolving covered matters through mediation.

/ endorsement

Aggregate Deductible

Caps your total deductible exposure across claims within a policy period.

Art. IV — Practice areas

Coverage tailored to your practice.

Focused E&O for the practice areas at the core of this program. View all practice areas →

View all practice areas
Art. V — The process

Application to bound coverage.

A defined submission process. No open-ended applications.

1

Apply online in minutes

Submit firm profile, areas of practice, attorney roster, and current declarations through the secure application.

2

Underwritten & priced

The submission is underwritten against program guidelines and rated on the firm's practice mix, history, and requested limits.

3

Bind and practice covered

Review terms, select limits and deductible, and bind. Direct line for questions: 1-855-348-7475.

Art. VI — Get covered

Start your quote. It takes minutes.

Answer a few questions and get pricing for your firm through our secure Harbor application.

Lawyers Professional Liability — Instant Quote
Open in new tab ↗

Open the quote application

Our secure quote tool opens in its own window for the best experience. Launch it below to start your lawyers E&O quote.

Launch quote application ↗
Art. VII — Understanding the coverage

Lawyers professional liability, in brief.

Lawyers errors & omissions insurance — also called lawyers professional liability insurance (LPL) or legal malpractice insurance — protects attorneys and law firms when a client alleges that professional negligence, an error, or an omission in legal work caused them financial harm. The policy responds to the cost of defending the claim and, where owed, the damages that result.

Why claims-made coverage matters

Nearly all lawyers professional liability policies are written on a claims-made basis: the policy responds to claims first made against you during the policy period, for work performed after your retroactive date. That makes continuity critical — gaps in coverage can leave years of prior work unprotected. Features like predecessor firm coverage and full prior-acts protection preserve coverage for the work your firm has already done.

What drives the cost

Premiums reflect firm size, areas of practice, geography, claims history, and the limits and deductible selected. Higher-severity practice areas price differently than transactional work. For eligible firms in this program, premiums may start as low as $2,500 — and features like a mediation deductible credit and an aggregate deductible can meaningfully reduce what a claim actually costs you out of pocket.

Choosing the right partner

The insurer's financial strength governs the reliability of indemnity. This program is written on A+ (Superior) AM Best-rated paper, with limits to $5 million. Defense-cost provisions vary by policy; terms, conditions, and exclusions are set by the issued policy.

Art. VIII — Questions

Frequently asked questions.

Why do lawyers need E&O insurance? +

Lawyers professional liability insurance protects attorneys and firms against claims of negligence, errors, or omissions arising from legal services. It covers defense costs and damages — and defense costs alone can be substantial even when a claim is meritless.

Who stands behind the coverage? +

The program is written on paper rated A+ (Superior) by AM Best — the second-highest of its financial strength categories. The rating speaks to the insurer's capacity to meet its obligations.

What does the policy cover? +

Coverage responds to professional negligence such as missed deadlines, conflicts of interest, and errors in legal work. Options may include personal injury within professional services, predecessor firm coverage, disciplinary proceedings defense, subpoena assistance, and crisis event expenses. Specific terms vary by policy and are governed by the issued contract.

How much does it cost? +

Premiums depend on firm size, areas of practice, claims history, and the limits and deductible you select. For eligible firms, premiums may start as low as $2,500. Request a quote for pricing specific to your firm.

What limits and deductibles are available? +

Capacity up to $5 million, with deductibles as low as $2,500. Aggregate deductible options and additional defense-cost limits outside the policy limit may be available depending on underwriting.

Request a quote.

Errors and omissions coverage for firms of up to 20 attorneys, nationwide. A+ rated paper.

Get a quote now
Call now Get a quote