On a day to day basis, it’s likely that you and your employees are interacting with many people, such as clients, vendors and contractors.  Any one of them could experience an injury or loss on your property or in the course of your business operations.  
 
As an attorney, you know better than anyone, that if you are responsible for someone’s injury or property damage, they just might file a lawsuit against you.  A General Liability policy is the easiest way to help protect your business against the high cost of litigation, settlements and judgements.
 
If you have a Business Owners Policy, you don’t need General Liability.  It is included there.

Bodily Injury:  If someone such as a client is injured at your place of business or because of your operations, you may be legally liable for their injury, including medical payments, lost income and pain and suffering.
 
Property Damage:  In the course of doing business, if you cause damage to someone else’s property, such as breaking something of value at your client’s home, you may be responsible for its value.
 
Personal Injury:  Coverage for claims alleging libel, slander, malicious prosecution, wrongful eviction, invasion of privacy and false arrest.
 
Advertising Liability:  Protection against lawsuits alleging false advertising and copyright infringement.
 
Tenant Legal Liability:  If you are a tenant in your building and are responsible for a fire that destroys the structure, this coverage will pay for the damages.
 
Product Liability:  Coverage for injuries due to a product you placed in the hands of your client.

In the event of a lawsuit, what is the worst-case scenario?  How much could you be sued for? 
 
When determining this amount, consider your area of practice, clientele, size of your business, location, and your annual revenue.  Most small to medium sized law firms opt for General Liability limits of $1 to $2 million.

The cost varies with a number of factors:

• The size of your firm
• Your area of practice
• Location
• Previous claims
• Current and past business activities
• Payroll amounts
• The number of years you have been in business

Minimum premiums start from around $350 per year.