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L Squared Insurance Agency Blog: claims made issues

View the latest blog posts from L Squared Insurance Agency.

You are very happy as it appears that your new policy is going to save you money.  But as with the changing seasons there are certain things you want to check when you switch claims-made malpractice insurers.  Items to check: 1.       Check the named insured and who is insured. READ MORE >>

As a law firm evolves through the years, its insurance needs may change.  Changes in a firm’s practice areas and clients might require different liability insurance limits than the firm required in the past.  Raising policy limits to meet a law firms needs causes no coverage issues. READ MORE >>

There are a number of things that need to be maintained if you switch professional liability insurance carriers.  Some of those items are: 1.       Make sure the effective date of the replacement policy matches the expiration date of your current coverage. READ MORE >>

Request from our Client: Need to add a rider to our Lawyers Professional Liability Insurance Policy to increase my limits to cover a large real estate deal for a client. Response: The term “rider” is normally associated with life insurance and health insurance policies. READ MORE >>

When I asked why my lawyer’s professional liability policy premium went up, the agent stated that it was because of “step rating”.  What is step rating and why did my premium go up? Lawyers Professional Liability policies are Claims Made Policies.  Most Claims Made Policies are Step Rated. READ MORE >>

Many Law Firms have a misconception that the Lawyers Professional Liability Insurance Coverage for an attorney continues until the end of the policy term because it is paid for even after the attorney has left the firm.  Once an attorney leaves a law firm their work they do after they leave the firm is not covered. READ MORE >>

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