Lawyers Errors & Omissions Coverage



STATES APPROVED (as of August 6th, 2019): Alabama, California, Colorado, Connecticut, DC, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Michigan, Mississippi, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas

STATES PENDING (as of August 6th, 2019): Massachusetts


  • Retention reduced by 10% each year that the firm remains claim free (up to 50% reduction)

  • $50,000 of additional claims expense limit added each year that the firm remains claim free (up to $250,000)

  • Determination of being claim free increases by $5,000 of total incurred for damages and claim expenses each year


  • Free 60-day automatic ERP

  • Unlimited ERP option

  • Individual ERP available for flat $1,500 per attorney

  • Free Individual ERP for death or disability

  • Free Individual ERP for retirement after three years of being insured with carrier

  • No minimum age required for free retirement ERP


  • Disciplinary Proceedings coverage up to $25,000 per proceeding/$100,000 per policy period

  • Subpoena Assistance coverage up to $25,000 per policy period

  • Pre-Claim Expense coverage

  • Loss of Earnings coverage $500 per day/$10,000 per claim/$50,000 per policy period

  • All Extensions do not erode limits and are not subject to retention


  • Punitive Damages covered under the law most favorable for insurability

  • Of Counsel and Independent Contractor Attorneys covered

  • Coverage for Malicious Prosecution

  • Broad definition of covered Professional Services, including Bar Association activities and presentation of research papers (if fee under $25,000)

  • Pro Bono work covered and not subject to Retention

  • Prior Knowledge determined as of first policy issued by carrier

  • Innocent Insured coverage

  • 15% Ownership Exclusion

  • Retention reduced by 50% (up to $25,000) if claim settled within 30 days of initial mediation

This summary is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the coverage afforded. A specimen copy of the entire policy is available upon request. Only the insurance policy and applicable endorsements can give the actual terms, coverages, conditions, limits, and exclusions. Coverage may not be available in all States.