Errors and omissions coverage for civil rights and discrimination practice, where administrative exhaustion and short filing windows create technical, high-frequency exposure. A+ rated paper, limits to $5M.
Each practice generates claims in characteristic ways. Coverage is evaluated against the exposures specific to the work.
EEOC and agency charge requirements and right-to-sue windows are strict. Failure to exhaust or to file timely can bar the claim outright.
Section 1983 and related claims carry variable limitations periods and notice-of-claim rules that differ by jurisdiction and defendant.
Failure to plead around qualified or governmental immunity, or to name the correct defendants, can result in dismissal and a resulting claim.
Hypothetical, generic illustrations — not actual claims, and not a statement of coverage.
An administrative exhaustion requirement is missed, barring the claim, and the client alleges the error was avoidable.
A claim is dismissed on immunity grounds the client alleges could have been pleaded around.
A short statutory deadline is missed, and the client alleges the resulting bar to their claim.
Scenarios on this page are generic, hypothetical illustrations of the kinds of allegations that can arise in this practice. They are provided for educational purposes only. They are not descriptions of actual claims and are not a representation that any particular claim is, or would be, covered. Whether any claim is covered depends entirely on the facts and the terms, conditions, and exclusions of the issued policy.
Coverage for civil rights & discrimination attorneys is written on paper rated A+ (Superior) by AM Best, with limits to $5 million and deductibles from $2,500. Defense-cost provisions vary by policy. Terms, conditions, and exclusions are governed by the issued policy.
Written on carrier paper rated A+ (Superior) by AM Best.
Available for firms of one to twenty attorneys.
Defense-cost provisions vary by the issued policy.
1-855-348-7475 for underwriting and service.
Civil rights and discrimination practice is eligible under the program. Coverage addresses the exhaustion- and deadline-driven exposures of the practice.
Lawyers professional liability insurance — legal malpractice or errors and omissions coverage — responds to claims that an error, omission, or act of negligence in professional legal work caused a client financial harm. For civil rights & discrimination attorneys, the exposures identified above determine the frequency and severity of claims. The policy responds to defense costs and to damages, subject to its terms.
Coverage is written claims-made and reported: it responds to claims first made during the policy period for work performed on or after the retroactive date. Prior acts and predecessor firm terms determine the treatment of prior work. Continuity of coverage should be maintained to avoid gaps.
Indemnity depends on the insurer's financial condition. This program is written on paper rated A+ (Superior) by AM Best. Coverage descriptions on this page are summaries qualified in their entirety by the issued policy, which governs.
Errors and omissions coverage for firms of up to 20 attorneys, nationwide. A+ rated paper.
