E&S Lawyers Professional Liability

Unrivaled capacity, expert underwriting, and superior claims handling

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Law firms of all sizes are presented with a variety of professional liability risk exposures.

E&S Lawyers Professional Liability insurance protects law firms from financial harm that may result from malpractice, breach of contract, missed deadlines, or negligence claims.

Munich Re Specialty offers excess and surplus non-admitted professional liability coverage that addresses the unique risks that your law firm clients face. We offer a wide array of solutions, underwriting expertise, and an unparalleled level of service through our select broker network. As your partner, we’ll help your clients’ businesses thrive today and tomorrow.

Distinct advantages for your diverse clients

Our Lawyers Professional Liability coverage includes up to $5m in limits and a wide range of exposures for non-admitted markets.

Other benefits include:

Customized coverage

Tailored to a firm’s needs, our non-admitted coverage includes malpractice claims, including misrepresentation, violation of faith and fair dealing, inaccurate advice, and obligation to pay damages for covered claims (including the cost to defend against those claims).

Experienced underwriters

Knowledgeable of the local market and lawyers professional liability exposures.

Best-in-class claims team

Dedicated to handling professional liability claims and committed to expert, speedy claims handling.

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Wholesale-only distribution model
Underwriting company, Bridgeway Insurance Company, is rated A+ by AM Best
Minimum 11 attorneys for Primary and Excess
$5m limit capacity – can consider higher limits
Non-admitted in all 50 US states
Admitted available in New York Free Trade Zone
Will consider all practice areas and distressed risks, except Cannabis and Cryptocurrency

Lawyers Professional Liability capabilities

Practice areas

Administrative

Admiralty marine

Antitrust trade regulation

Arbitration mediation

Banking financial institution

Bankruptcy

Civil commercial

Civil rights

Collections

Construction building

Consumer claims

Corporate organization formation

Criminal traffic

Entertainment

Environmental

Family law

Fiduciary

General corporate

Immigration

Intellectual property

International

Labor management

Labor union

Landlord tenant

Local government

Natural resources

Personal injury

Real estate commercial and residential

Securities bonds

Taxation

Workers’ compensation

Coverage details

Policy form

Duty to defend
Supplementary payments:
- Disciplinary proceedings
- Subpoena and deposition assistance
- Public relations
- Regulatory inquiry
Broad definition of insured to include:
- Independent contractor
- Predecessor firm
Broad definition of professional services
Innocent insured coverage for intentional acts
Personal injury coverage
Unlimited and non-practicing ERP options

Available coverage enhancements

Public officials
Mutual consent on defense counsel
Punitive damages
Career coverage
Mergers and acquisitions increase reporting window from 30 to 90 days
Primary and Excess nonprofit D&O sub-limit
Claim expenses outside the limit of liability
Title agency coverage
Expert witness and teaching services
Ability to soften hammer clause

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Value-added services

Complimentary risk mitigation services

Munich Re Specialty offers Attorneys Risk Management from Barron & Newburger — a free comprehensive loss prevention service to insureds that purchase Munich Re Specialty’s E&S Lawyers Professional Liability coverage.

Insureds will receive:

Real-time, attorney-client privilege consultations with senior risk management attorneys
Practice tools and templates
State bar ethics rules and opinions
Five hours of ethics CLEs for each insured attorney

… and much more.

Claims scenarios

Missed statute of limitations

An attorney represented a client who was injured during a routine surgical procedure. The attorney failed to properly calendar the expiration of the statute of limitations, and the deadline was missed. The client filed a suit against the attorney for failure to timely file the complaint and the suit settled for $150,000.

Conflict of interest

An attorney represented a husband and wife in drafting a premarital agreement. A few years later, the attorney was hired to represent the husband in divorce proceedings. After the proceedings were finalized, the wife filed suit against the attorney for failing to obtain written conflict waivers and the suit settled for $250,000.

Negligence

A wealthy client hired an attorney for estate planning services. During the representation, the attorney made an error in calculating owed gift taxes. After the client’s death, the beneficiaries were required to pay a penalty to the IRS related to the error. The clients filed suit against the attorney for negligence and the suit settled for $500,000.