5 Star
Insurer(s): Lloyd’s and Darwin Select Insurance Co.
Type and size of desired risk: PLI and E&O insurance. Firms with two lawyers and above.
Special coverage features: Retentions as low as $10,000; $2 million layer limit.
Minimum premium: $10,000.
Coverage available in: All states.
For more information: Marketing, 5Star Specialty Programs, Melbourne, FL, 32940. 877-247-9772. Fax: 321-757-6147. marketing@5starsp.com. www.5starsp.com.
All Risks Ltd.
Insurer(s): Various carriers rated “A-” or better.
Type and size of desired risk: All firms welcome, no minimum number of attorneys and no maximum, can entertain all areas of practice, including the harder-to-place AOP classes.
Special coverage features: Defense outside the limits; no DPTA exclusion; network security, risk management services, crisis expense; of counsel extension, death/disability ERP; individual ERP, aggregate deductibles.
Maximum limits: Per claim, $20 million; aggregate, $20 million.
Minimum premium: Varies by carrier, starts as low as $700.
Coverage available in: All states.
For more information: Hollie Degutis, All Risks Ltd., 10150 York Road, 5th Floor, Hunt Valley, MD, 21030. 800-366-5810 Ext. 3031. Fax: 410-828-8179. hhobbie@allrisks.com. www.allrisks.com.
AmWINS Group Inc.
Insurer(s): Various.
Type and size of desired risk: All.
Special coverage features: Admitted and non-admitted, defense costs outside (case by case), intellectual property, SEC, hard to place accounts.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Coverage available in: All states.
For more information: Leslie McNeice, AmWINS Group Inc. 704-749-2891. Fax: 704-943-9000. marketing@amwins.com. www.amwins.com.
Burns & Wilcox
Insurer(s): Argo Pro, Carolina Casualty, Admiral, Markel, Chubb, Lloyds of London
Type and size of desired risk: Solo firms and above. All areas of practice are open for review. From the most favorable (criminal defense) to high hazard (IP & plaintiff class action).
Special coverage features: Defense costs outside the limits, security incident response sub-limits, aggregate deductible, defense for disciplinary proceedings reimbursement, cover for malicious prosecution, non practicing ERP.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $500.
Coverage available in: All states.
For more information: Christian Hamlin, RPLU, Burns & Wilcox, 21820 Burbank Blvd., South Building, Suite 175, Woodland Hills CA 91367. 800-600-2100x2240 Fax: 818-227-0780. cthamlin@burns-wilcox.com. www.burnsandwilcox.com.
Continental Brokers Inc.
Insurer: Continental Brokers Inc.
Type and size of desired risk: All firms.
Special coverage features: In addition to providing professional liability, we can fulfill all the needs of the firm by offering property, business auto, health, life, and disability.
Coverage available in: All states.
For more information: Darryl McCreary, Continental Brokers Inc., 214 Key Drive, Suite 2000, Madison, MS, 39110. 601-898-8464. Fax: 601-707-1002. darryl@continentalbrokers.biz. www.continentalbrokers.biz.
CNA
Insurer(s): CNA.
Type and size of desired risk: Law firms of 35 lawyers or greater (smaller firm access controlled by a network of 20 exclusive state administrators).
Special coverage features: CNA has the ability to offer coverage to well managed law firms for both primary and excess limits.
Maximum limits: Per claim, $10 million; aggregate, $20 million.
Coverage available in: All states.
For more information: Stuart Pattison, CNA, 40 Wall Street, New York, NY, 10005. 212-440-3409. Fax: 212-440-3409. Stuart.Pattison@CNA.com. www.CNA.com.
Crump Insurance Services Inc.
Insurer(s): Various.
Type and size of desired risk: Firms with one lawyer and above.
Special coverage features: First dollar of defense, defense outside the limits on some classes of 2 and up attorney firms.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $1,500.
Coverage available in: All states.
For more information: Marketing, Crump Insurance Services Inc., 877-247-9772. Fax: 321-757-6147. theone@crumpins.com. www.crumpins.com.
Gray-Stone
Insurer(s): Axis Reinsurance, Axis Specialty, Federal, Executive Risk, Carolina Casualty, Interstate, Hartford/Twin City, Lawyers Mutual, Liberty (excess), Liberty (surplus), Shand/Evanston (admitted and nonadmitted), Greenwich, Navigators, Admiral, Lloyds and other London markets, One Beacon, Lexington (excess), Genstar.
Type and size of desired risk: One attorney to major national firms.
Special coverage features: In-house rating with quick turnaround, companies providing defense outside the limits. Hard-to-place accounts, competitive throughout California and other states. Call for immediate quote.
Maximum limits: Per claim, $10 million to $25 million; aggregate, $10 million to $25 million. Excess available to $100 million.
Minimum premium: $600.
Coverage available in: All states except WY, AK.
For more information: Howard Stone, Gray-Stone & Co., 275 E. Hillcrest Dr. #250, Thousand Oaks, CA, 91360. 805-494-4440. Fax: 805-299-4985. hstone@gray-stone.com. www.gray-stone.com.
Metcom Excess
Insurer(s): Colony, Westport, General Star, Evanston, Lionshare.
Type and size of desired risk: Starting at one-man operation.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $2,000.
Coverage available in: NJ, NY, PA
For more information: Joanna Brancaleoni, Metcom
Excess, 254 Main St., P.O. Box 90, Ridgefield Park, NJ, 07660. 800-521-1717 x433. Fax: 201-641-6566. jbrancaleoni@metcomexcess.com. www.metcomexcess.com.
NIF
Insurer(s): all carriers “A” rated or better
Type and size of desired risk: All.
Special coverage features: Defense outside, first dollar defense, personal injury, arbitrator/notary/title, agent extensions, retired insured coverage, “of counsel” coverage, tail options for individual insured persons.
Maximum limits: Per claim, $10 million primary, unlimited excess available subject to account eligibility.
Minimum premium: $1,000
Coverage available in: All states.
For more information: David Vicari, NIF Pro/a division of NIF Group, 30 Park Ave., Manhasset, NY, 11030. 516-365-7440. Fax: 516-365-9566. dvicari@nifgroup.com.
www.nifgroup.com.
Quaker Special Risk
Insurer(s): Evanston, Genstar, Landmark American, Lloyd’s, Chubb, American Safety.
Type and size of desired risk: Difficult to place firms.
Maximum limits: Per claim, $5 million; aggregate, $5 million.
Minimum premium: $10,000.
Coverage available in: All states except AK, KS, ND, OK, SD.
For more information: Frank Walsh, Quaker Special Risk, P.O. Box 1350, Eatontown, NJ, 07724. 800-447-4180. Fax: 732-223-9072. fwalsh@qsr-insurance.com.
www.QSR-insurance.com.
Russell Bond & Co. Inc.
Insurer(s): Various carriers rated “A-” or better.
Type and size of desired risk: Sole proprietor to 500+ law firms, all areas of practice can be considered.
Special coverage features: Can include retro cover, predecessor firms and pro-bono work, defense outside limit available, first dollar defense available.
Maximum limits: Per claim, $25 million; aggregate, $25 million.
Minimum premium: $900.
Coverage available in: All states except AK, AR, HI, ID, KS, MO, MT, ND, OK, OR, SD, UT, WI, WV, WY.
For more information: Tony Ambrose, Russell Bond, 295 Main Street, Suite 866, Buffalo, NY, 14203. 800-333-7226 ext. 143. Fax: 800-677-6779. aambrose@RussellBond.com.
www.russellbond.com.
S.H. Smith & Company Inc.
Insurer(s): S.H. Smith & Co. Inc.
Type and size of desired risk: All size law firms, up-to-150 attorneys. We have markets for distressed law firms as well as employed lawyers.
Special coverage features: A-rated carriers, broad definition of insured, broad definition of professional services, duty to defend, claims made policy form, coverage for publishing liability.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $1,500.
Coverage available in: All states.
For more information: Patricia Gilberto, S.H. Smith & Company Inc., 20 Church Street Ste. 1500, Hartford, CT, 06103. 860-656-1302. Fax: 860-656-1206. Patricia_Gilberto@shsmith.com.
www.shsmith.com.
Target Insurance Services
Insurer(s): Hartford Financial Products (The Hartford), Firemans Fund Insurance Company.
Type and size of desired risk: Varies by program.
Special coverage features: Admitted and non-admitted primary E&O, and excess E&O.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Coverage available in: All states except HI and OR.
For more information: Scott Williams, Target Insurance Services, 40 Shuman Blvd., Suite 330, Naperville, IL, 60563. 800-692-5752 Ext. 233. Fax: 630-961-0284. swilliams@target-capital.com. www.target-capital.com/prog_lawyers.asp.
The Travelers Cos. Inc.
Insurers: Travelers Casualty and Surety Co. of America.
Type and size of desired risk: All types with a focus to firms wtih less than 50 attorneys.
Special coverage features: Travelers modular 1st Choice+Sm offers legal professionals broader protection and coverages including network and information security offense coverage, pre-claim assistance and crisis event expenses coverage.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $750.
Coverage available in: All states except OR.
For more information: Andrew Sutcliffe, The Travelers Cos. Inc., 485 Lexington Ave., Ste 400, New York, NY 10017-2630. 917-778-6000. 877-206-6881. asutclif@travelers.com.
www.travelers.com/bond.
Worldwide Facilities Inc.
Insurer(s): ACE/Westchester, Arch, Carolina Casualty, Chubb, CNA, Colony, Great American, Hartford, James River, Landmark, Lawyers Mutual, Lexington, Liberty, Lloyds of London, Markel, Navigators, XL/Greenwich.
Type and size of desired risk: All areas of practice, accounts with frequency/severity problems, all size firms including solo practitioners.
Special coverage features: Claims made, innocent partner protection, advancement of defense costs, bilateral (two-way) extended reporting period option.
Maximum limits available: Per claim, $25 million; aggregate, $25 million.
Minimum premium: None.
Coverage available in: All states.
For more information: Kristina Mason, Worldwide Facilities Inc., 725 South Figueroa St., 19th Floor, Los Angeles, CA 90017. 213-236-4500. Fax: 213-244-9655.
info@wwfi.com. www.wwfi.com.