Professional liability coverage built for legal practice
Lawyer’s Protector Plan (LPP) is designed specifically for lawyers and law firms, with coverage built around the demands of managing a legal practice and the professional risks that come with it. Backed by a team that includes lawyers, the program brings together dedicated underwriting, claims support and policy features structured to reflect the profession it serves.
Coverage Highlights
Lawyer’s Protector Plan provides coverage for:
Professional Services
Coverage for professional services performed as a lawyer in good standing, as well as a mediator, arbitrator, notary public, lobbyist or hearing officer. It also extends to certain services incidental to a firm’s practice of law, including work performed as an administrator, executor, trustee, title agent or legal expert, along with services performed on behalf of the named insured by “of counsel” and independent contractors.
Authorship Services
Coverage also includes authorship and Bar Association services.
Personal Injury
The policy includes coverage for personal injury exposures such as libel, slander, invasion of privacy, malicious prosecution and other non-bodily injury damages.
Additional coverage features
Includes “First policy issued” language in the Insuring Agreement coverage clause, along with a broad endorsement library that allows firms to tailor coverage to their needs. The settlement clause has been removed, meaning we will not settle any claim without the consent of the named insured.
Supplemental Payments Coverage
Beyond core professional liability coverage, LPP offers supplemental benefits that can help firms manage a range of legal, operational and reputational exposures.
Supplemental Payments Coverage includes:
Defense of disciplinary actions
up to $50,000 per disciplinary action and $100,000 per policy period
Security incident reimbursement
up to $10,000 per security incident and $25,000 per policy period for incidents involving unauthorized access to or use of data resulting in any privacy regulation violation
Loss of earnings
up to $500 per day, $20,000 per claim and $50,000 per policy period
Subpoena expenses
subject to a $25,000 per policy period limit
Non-profit directors and officers coverage
up to $25,00 per policy period
Supplemental claim expenses benefit
up to $100,000 per policy period
Public relations services reimbursement
up to $25,000 per policy period
Pre-claim assistance
up to $25,000 per policy period
Withheld client fee assistance
up to $10,000 per policy period, with coverage subject to the deductible
Limits and retention options
The program offers flexible limit options to help firms align coverage with their size, structure and risk profile.
- Professional liability limits are available from $100,000 / $300,000 up to $5,000,000, depending on state and territory.
- Retentions start as low as $1,000 and go up to $100,000 for qualifying firms. The deductible does not apply to the rendering of pro bono professional services.
Risk management incentives
Firms may qualify for up to 50% deductible reimbursement, up to $25,000 in select situations, including:
- When a claim is settled within one year of reporting
- When the insured used an engagement letter in connection with the professional services at issue
- When it’s the insured’s first reported claim, the insured has been continuously insured for three or more years with SCOR, there are no overdue payments and no claim has been reported in three or more policy periods
Extended reporting period options
Lawyer’s Protector Plan includes extended reporting period (ERP) options that can help firms prepare for transition, retirement and long-term planning.
Options of 1, 3, 5, 7 and unlimited years are available for purchase.
A limit reinstatement may apply if a renewal offer is made but not accepted by the firm based on the number of years insured.
No additional premium is required for:
- Unlimited retirement ERP for insureds age 55 or older who have been insured with LPP for at least one consecutive policy period
- Unlimited death and disability ERP
*not applicable to California Insureds
Program strengths
Lawyer’s Protector Plan combines dedicated underwriting, legal industry knowledge and focused claims support.
- Backed by General Security National Insurance Company, rated “A” (Excellent) by AM Best
- Underwriters dedicated exclusively to LPL coverage
- In-house claims department led by lawyers
- Risk management support offered by recognized leaders in continuing education
