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Malpractice Insurance

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Attorney Malpractice Insurance

Not securing the appropriate professional malpractice insurance can leave a law firm exposed.
Though we’d like to believe we’re perfect, we’re human. Mistakes happen. Attorneys know better than anyone, if papers get misfiled or delayed, if it costs a client money, it can result in litigation. Without the appropriate coverage, families, reputations and firms are vulnerable to financial disaster.

People tend to think malpractice policies are all alike; the only difference is the price. That’s far from true. Insurance policies are contracts. The difference is in the details. Should a claim occur, that’s when the Aon Attorneys Advantage coverage limits, extended benefits, and specialized defense attorneys can make a difference in helping to ensure a successful outcome.

Product Overview

Why Aon Attorneys Advantage?

Why choose Aon Attorneys Advantage for professional liability insurance?

Here are four reasons to select the Aon Attorneys Advantage Program:

  • Broad Coverage
    Though there are other lawyers’ professional liability insurance programs on the market, in a head-to-head comparison, few offer Aon Attorneys Advantage’s level of protection.  
  • Designed for Small Firms
    Law firms with 1-25 practicing attorneys are generally involved in lower risk areas of practice, resulting in lower claims severity and therefore lower professional liability insurance premiums.
  • Financial Stability
    Over the years, lawyers’ professional liability insurance programs have entered and exited the market. The Aon Attorneys Advantage program is known for top carrier financial security for over 50 years.
  • Robust Risk Management 
    National defense firm, Wilson Elser, supplies Aon Attorneys Advantage’s insureds with a robust risk education program designed to help law firms avoid getting involved in costly law suits.

Broad Policy Form

Professional Liability Coverage Options

  • Professional Liability Limits up to $5 million per claim/$5 million aggregate
  • Deductibles from $0 to $100,000 

Coverage Extensions (provided at no additional cost)

  • Claim Expenses Paid Outside Policy Limits*
    Most lawyers’ professional liability insurance programs pay legal defense costs from ‘inside’ the policy limits, eroding coverage. Aon Attorneys Advantage pays claim expenses ‘outside’ the policy limits, leaving more coverage for potential settlements and judgments.
    • Up to $500,000 of claim expenses paid if policy per claim limit is $2 million or higher
    • Up to $250,000 of claim expenses paid if policy per claim limit is at least $500,000 but less than $2 million
    • Up to $100,000 of claim expenses paid if policy per claim limit is less than $500,000
  • Free Unlimited Tail Coverage**
    When retiring or leaving practice, individual attorneys are encouraged to purchase an Extended Reporting Period Endorsement to cover claims that occur while in practice, but are reported after the policy expiration. Aon Attorneys Advantage provides FREE Individual Unlimited ‘Tail Coverage’ to qualified attorneys after only one year with the Program—a benefit that can save thousands of dollars.
  • First Dollar Defense
    During a claim, the first $2,500 of claim expenses is not subject to the deductible. As many non-meritorious claims are settled for less than $5,000, if you had a policy with a competitor with a $5,000 deductible you could be forced to pay the claim out of pocket. With our First Dollar Defense coverage insureds pay less up-front expenses, providing a substantial savings.
  • Full Prior Acts
    Lawyers’ professional liability insurance is written on a claims-made basis. For a claim to be eligible it must occur and be reported during the policy period. Aon Attorneys Advantage offers Full Prior Acts coverage to qualified firms, thereby providing coverage for claims arising from acts that took place prior to the inception date of the policy—regardless of how far in the past. 
  • Subpoena Assistance 
    Lawyers routinely acquire personal knowledge of discoverable information. Responding to nearly any subpoena requires time and money. Aon Attorneys Advantage provides up to $25,000 of Subpoena Assistance coverage to retain counsel for advice regarding document production and for representation at a deposition.
  • Disciplinary Proceeding Defense
    In the event of a formal investigation or proceeding conducted by a court, state licensing board, peer review committee, bar association, or other regulatory body, the policy will reimburse the insured up to $25,000 per proceeding/$100,000 aggregate for attorney fees and expenses incurred to respond to or prepare a legal defense.
  • Loss of Earnings
    If carrier requests an insured attend a trial, hearing or arbitration proceeding during the course of a claim, the policy will pay up to $1,000 per day for loss earnings, up to $10,000 per claim with a $50,000 aggregate during the policy period.
  • Mediation Deductible Credit
    At the carriers request, if the insured consents to submit to arbitration or mediation to resolve a claim, the deductible will be reduced by 50%, up to a maximum of $2,500.
  • Worldwide Coverage

*In New York claim expenses are paid outside the policy limits with no limitation on the amount payable.

**After an attorney retires or otherwise ceases practice, to receive the unlimited Extended Reporting Period endorsement at no additional charge, they must have been insured under the Aon Attorneys Advantage Professional Liability policy continuously for one full year, plus the previous three full years under a single policy with a prior insurance company.  

This information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured.

Eligibility

Firm Size:

Available to firms with 1-25 attorneys

Location:

Available in all 50 states

Standard and Non-Standard Risks:

To receive an online Malpractice Insurance quote, you will need to answer underwriting questions about your area of practice and whether you have had any recent claims.  

From that information, we will determine whether you are a ‘standard’ or a ‘non-standard’ risk.

Non-standard risks typically include firms with prior claims or covering high-risk areas of practice, such as class action and intellectual property law. 

Whether you are standard or non-standard risk, Aon Attorneys Advantage has solutions to fit most law firm needs.

Carrier Partner Overview

Aon Attorneys Advantage only partners with companies that are A.M. Best A rated or better and have demonstrated long term commitment and profitability to the commercial insurance marketplace.

Our carriers are well-known within the insurance community as elite providers of coverage that specializes in writing malpractice insurance for lawyers, accountants, healthcare professionals, captive agents and other professional firms.

Aon Attorneys Advantage program facts: 

  • Over 11,000 small law firms insured nationwide
  • Over 50 years providing professional insurance coverage for small law firms
  • Program available in all 50 states
  • Risk management advisors are licensed attorneys

Premium Credits

Reduce Your Premium with Money-Saving Discounts

You may be able to reduce your professional liability insurance premium with several money-saving credits. Speak to your representative to determine if you are eligible for the following:
  • Docket & Calendar Control
  • Engagement Letter Usage
  • Internal Management Controls
  • Continuing Legal Education
  • Claims Free
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Contact Us

Frequently Asked Questions

Speak to an Aon Attorneys Advantage advisor: 267.459.3233

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ABOUT US

Aon Attorneys Advantage specializes in providing professional liability insurance to law firms with 1-25 attorneys. Over 10,000 law firms across the U.S. count on us to provide comprehensive, competitive malpractice insurance protection.
 

CONTACT US

Aon Attorneys Advantage
1100 Virginia Drive, Suite 250
Ft. Washington, PA 19034
Phone: 267-459-3233

©2013Affinity Insurance Services, Inc.

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