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Coverages

​Features​

The following list of features is a brief overview of the coverages offered. Please ask your LawyerGuard representative for copies of the policy forms for a full description of coverage.

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  • Mutual choice of counsel

  • Coverage for punitive damages on a “most favorable law” basis

  • Provides a 50% reduction in the deductible if the claim is settled through mediation (subject to a $25,000 maximum)

  • Offers an individual tail option whereby any lawyer is able to purchase an individual tail for a flat $1,500 when ceasing the practice of law

  • Crisis event coverage

  • Pre-claim assistance

  • No deductible for claims from pro bono work

  • A “soft” hammer clause

  • High loss of earnings and disciplinary defense coverage limits

  • Free retirement tail with no minimum retirement age

  • Free death / disability tails

  • 1, 2, 3, 5 year and unlimited tail options included in policy (including a 60 day automatic ERP)

  • Express coverage for malicious prosecution under the definition of personal injury

  • Up to $5 million in capacity

  • Claim Expenses Outside Limits available to qualifying firms

  • Loss Only and Aggregate Deductibles available to qualifying firms

  • Subpoena assistance coverage

  • Liberalization Clause

  • Pre–judgment and Post-judgment interest (where allowable by law)

  • Coverage for Independent Contractors and Of Counsels

  • Ownership interest in clients up to 20% 

 

Defense Lawyers Professional

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If the law firm qualifies for the DRI program (with 51% or more of its area of practice in defense work), it will also receive the following:

  • An endorsement to the policy that eliminates five exclusions

  • 10% reduction in the deductible

  • Subpoena assistance coverage uncapped

  • An additional premium credit of 10–15%.

 

Coverage is written on an admitted basis* by QBE Insurance Corporation, part of QBE Insurance Group Limited, one of the largest insurers and reinsurers worldwide. QBE insurance companies are rated “A” (Excellent) by A.M. Best Co and “A+” by Standard & Poor’s. ​   

 

*Subject to state filing requirements

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