Before purchasing professional liability insurance, it is necessary to do your research. But with so many reputable options, how are you to choose a fitting carrier for your specific needs?   


At Protexure, we understand that we might not be the right fit for everybody. And that is ok!


From time to time we get the question, if I were to choose another carrier, who would you recommend? 


We have gathered a list of lawyers professional liability carriers that we believe are stable and provide quality coverage for small firms.


Every law firm should consider their specific needs and what they are looking to get out of their coverage. 


We believe that all lawyers should be as informed as possible when choosing a professional liability carrier.



1–25 attorney law firms

Availability:  All states except for Oregon

A/M Best Rating: A- (Excellent)

Bar Endorsements:  AK, ID, KS, ME, NV, SC, SD, UT, VT, VA, WA, WV, WY

Coverage Highlights:   ALPS provides coverage for solo firms up to $2,000,000 per claim/$4,000,000 aggregate with deductibles ranging up to $25,000 and multi attorney firms up to $10,000,0000/$20,000,000 limits with deductibles ranging up to $100,000.  In addition to coverage for full-time attorneys, part-time practice coverage is also offered.


AXIS Insurance Co

1–25 attorney law firms

Availability: All 50 states

A/M Best Rating: A+ (Superior)

Bar Endorsements:  RI

Coverage Highlights: AXIS underwrites the AON Attorneys Advantage program which provides limits up to $5,000,000 per claim/ $5,000,000 million aggregate and deductibles ranging from $0 to $100,000. Insureds receive access to a risk education program designed to help law firms avoid costly lawsuits.  With AON Attorneys Access, insureds have 3 continuing education credits available annually. 



Coverage available for firms of any size

Availability: Coverage is offered for large firms of any size in all 50 states and small firms of 1 – 25+ attorneys in all states except for Alaska, Oregon, West Virginia, and Wyoming

A/M Best Rating: A (Excellent)

Bar Endorsements:  CO, CN, IA, LA, MA, NY, PA

Coverage Highlights:  CNA offers coverage up to $10,000,000 per claim/$10,000,000 aggregate with deductibles ranging from $0 - $2,000,000.  Part-time programs and policy add-ons including cyber coverage and mutual selection of counsel is available upon request.  Four experienced attorneys assist the CNA team in providing lawyers with risk control services and continuing education as part of the CNA program.



1 – 50 attorney law firms

Availability: All 50 states.

A/M Best Rating: A (Excellent)

Bar Endorsements:  NJ 

Coverage Highlights: Hanover offers coverage up to $10,000,000 per claim/$10,000,000 aggregate.  Coverage is flexible and can be tailored to meet specific needs of a firm with several add-ons available. 



Coverage is available for small- to mid-size law firms

Availability: All states except for Oregon and California

A/M Best Rating: A++ (Superior)

Coverage Highlights: Limits of up to $10,000,000/$10,000,000 are available with deductibles ranging from $1,000 - $100,000 per claim.  Travelers policies automatically include network and information security coverage, acquisitions coverage, and crisis event expense coverage.


How to Choose Which Carrier is Right For Me?


Being that there are so many reliable professional liability choices in the market, choosing one may seem overwhelming.  There are several factors to consider when beginning your search; financial strength, AM Best rating, Carrier’s longevity in the LPL marketplace, coverage features, limit and deductible options and pricing.


At Protexure Lawyers, we encourage you to take the time to research insurance carriers thoroughly and affirm the policy offered is right for you.


To help you in your search, you may also like to take a look at some of these great resources:


5 Reasons To Shop For Professional Liability Insurance

6 Tips for Choosing the Right Professional Liability Carrier

Am I Paying Too Much For Legal  Malpractice Insurance?

How to Select the Best Professional Liability Insurance Carrier?

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