Professional liability solutions for lawyers
Hanover Lawyers Professional Advantage
Law firms need a professional liability insurance solution that keeps up with the risks they face in today's dynamic business environment. The Hanover's specialized coverage offering is designed to meet their evolving needs.
We target a wide range of law firms, from one to 50 attorneys, with an optimal firm size of one to 10 attorneys. For areas of practice, our appetite includes:
Preferred appetite
Preferred appetite
- Bankruptcy
- Civil/commercial litigation defense
- Commercial law/ transactions - less than $1M
- Criminal defense representation
- Family law - less than $2M
- Immigration law
- Labor management
- Local/municipal government
- Mediation and arbitration (other than securities/FINRA)
- Residential real estate
- Schools/education (no finance)
- Social Security/disability/Medicare
- Taxation (individual)
- Wills, estates, trusts, probate - less than $2M
- Workers’ compensation
Limited appetite
Limited appetite
- Appellate
- Banking/financial institutions
- Civil/commercial litigation (plaintiff)
- Civil rights/discrimination
- Commercial law/transactions - $1M or more
- Commercial real estate - less than $1M
- Construction
- Corporate formation
- Environmental regulation
- ERISA employee benefit plans
- Family law - $2M or more
- Insurance defense
- Personal injury defense
- Plaintiff personal injury (automobile, slip and fall, dog bite)
- Taxation (corporate)
- Wills, estates, trusts, probate - $2M or more
Restricted appetite
Restricted appetite
- Admiralty/marine
- Class action and mass tort
- Copyright/trademark
- Collections
- Entertainment law
- International/foreign law
- Labor union representation
- Mergers and acquisitions
- Oil, gas and mineral rights
- Plaintiff litigation (medical malpractice, wrongful death, product liability)
- Real estate — commercial, $1M or more
- Real estate — foreclosure
- Securities
- Tax opinions
Hanover Lawyers Professional Advantage is a specialized errors and omissions solution designed to meet the evolving needs of law firms of all sizes, including growing practices.
Key coverage
Important coverage and policy features include:
- Coverage for professional services provided on behalf of the insured entity, named insured, predecessor firm or nonprofit entity
- Privacy and security liability coverage related to mishandling client’s personal information, including actions of a rogue employee and violations of customer notification laws
- Pre-claim assistance supplemental coverage
- Disciplinary proceedings supplemental coverage
- Subpoena assistance supplemental coverage
- Crisis event supplemental coverage
- Nonprofit directors and officers expense supplemental coverage
- Loss of earnings
- Coverage for remote notarization services included when allowed by the state
- Specific client limit endorsement provides the ability to increase the limit of insurance for a specific client
- Career coverage endorsement broadens the definition of services to include work performed by the named insured at prior firms
Additional policy features
- Claims made and reported
- Limits of liability ranging from $100,000 up to $10 million for select firms
- Definition of damages includes pre and post judgment interest and punitive and exemplary damages
- Deductible reduction for mediation claim settlement
- Multiple extended reporting period options, including individual extended reporting period
Supplemental coverage
Our professional liability enhancement endorsement includes nine supplemental coverages:
- Canceled conferences
- Counseling support
- Emergency web hosting
- Pet boarding
- Real estate emergency consulting
- Replacement of key officers
- Temporary meeting space
- Travel disruption due to terrorism
- Workplace violence counseling
Cyber coverage
Use this comparison of our two available options to steer your discussion with professional service clients and assist them in selecting the cyber coverage that best suits their needs.
- Professional liability cyber first-party coverages endorsement
- Standalone Cyber Advantage Pro policy
Total account solutions
In addition to our professional liability solution, The Hanover can offer coordinated property, casualty and management liability coverage that your clients need to be fully protected, including
- Business owner’s policy - including a law offices endorsement
- Commercial property - including a selection of base property broadening endorsements that add or enhance more than 65 coverages
- Commercial general liability - including a general liability broadening endorsement that adds or enhances 13 coverages
- Commercial automobile
- Commercial umbrella
- Inland marine
- Workers’ compensation
Program solutions
We can develop professional liability programs in any segment where you have either an existing book of business or a chance to grow. We work with retail agents, managing general agents and associations to build specific product solutions for all types of homogeneous groups with similar coverage needs, from start-ups and established programs to small, mid-size and large programs and accounts, including expertise in risk purchasing group formation.
Product not available in CA, NY and OR. Contact your regional distribution director for more information.
Hanover Lawyers Professional Advantage protects against the unique risks faced by your clients. Unlock the Hanover advantage.
Specialized standalone coverage
Serves small to mid-sized law firms with a broad array of areas of practice, from criminal defense to residential real estate
Privacy and security liability coverage
Built-in coverage related to the mishandling of clients' personal information
Risk management hotline
Staffed by lawyers and claims professionals
Dedicated claims team
Deep industry expertise and experience within the areas professional negligence, injury-related cases and property damage
HanoverProRisk site
Includes articles on a wide range of topics, sample policies and procedures, sample engagement letters and contracts, and more
Customer service center
Helps agencies improve operational efficiency by servicing lawyers professional liability policies
We target a wide range of law firms, from one to 50 attorneys, with an optimal firm size of one to 10 attorneys. For areas of practice, our appetite includes:
Product resources
Resources for you
Marketing materials
Resources for your customers
Our risk management program includes a risk management hotline and an online portal featuring a variety of articles, sample contracts, risk bulletins and more for lawyers.
See all of our resources for lawyers
Customer tools
Let's start a conversation today
Contact a member of our team who can help you craft professional and executive lines coverage for your clients.
Alisa Menicucci
Regional Distribution Manager
CA
707-810-4737
amenicucci@hanover.com
Ben Dowd
Regional Distribution Director
AR, LA, OK, TX
214-750-3925
bedowd@hanover.com
Matt Cohen
Regional Distribution Director
ID, MT, NJ, NY, OR, PA, WA
303-819-7926
mcohen@hanover.com
Jon Fritinger
Regional Distribution Director
IN, KY, MI, OH
513-405-9634
jfritinger@hanover.com
Adam Bennett
Regional Distribution Director
IA, IL, MN, ND, NE, SD, WI
952-484-8907
abennett@hanover.com
Issac Eberhart
Regional Distribution Director
AL, FL, GA, MS, NC, SC, TN
615-267-8545
ieberhart@hanover.com
Emerson Richardson
Regional Distribution Director
AZ, CO, KS, MO, NM, NV, UT, WY
720-445-1450
emrichardso@hanover.com
Pete Hamm
Regional Distribution Director
DC, DE, MD, VA, WV
804-349-9432
phamm@hanover.com
Becky McLaughlin
Regional Distribution Director
CT, MA, ME, NH, RI, VT
857-296-2185
rmclaughlin@hanover.com