Designed for, and sponsored by the State Bar of California
It is prudent for every law office to purchase proper Lawyer's professional liability insurance coverage through a reliable provider.
As a busy professional, you don’t have the time or the resources to research the insurance marketplace to compare all malpractice programs available today.
The State Bar of California has done the legwork for you so you don’t have to worry about whether or not you’ve made the right choice. After careful review of all the major insurance carriers writing in California, the Board of Trustees chose to endorse Mercer Health & Benefits Insurance Services LLC, and the Arch Insurance Company (A+ S&P Rating).
This is the only Lawyer's professional liability insurance program endorsed by the State Bar of California and has been designed for sole practitioners as well as large firms.
First, request a quote by completing our Online Application.
A Mercer representative will contact you to provide a premium quotation and assist with completing the purchase of your Professional Liability Insurance policy. Why wait? Request a Quote today!
|Notes||All licensed attorneys practicing in the state of California are eligible to apply.|
|At a Glance|
|Type of Insurance||Lawyer's Professional Liability|
|Designed for||Sole practitioners and law firms|
|Insurance Company||Arch Insurance Company|
|Policy Form||Claims-made policy|
|Limits of Liability|
|Per Claim||$100,000 to $5 million|
|Aggregate||$300,000 to $5 million|
|Deductible||Zero to $100,000|
|Additional Claims Expense Limits Available||1/2 of the per claim policy limit to $1,000,000|
|Claims Expense Coverage Included at No Charge||$50,000|
|Other Coverages and Benefits|
|Loss of Earnings Reimbursement||$500 per day, up to $10,000|
|Prior Acts Coverage||Available|
|Appearance Investigation or Defense Coverage||$5,000|
|Extended Reporting Period Coverage (tail)||Automatic 60 Day Extended Reporting Period Option|
|Optional Extended Reporting Coverages (tail)||12, 24, 36 month or unlimited|
This disclosure is an outline of coverage and a summary of the policy. The policy should be consulted to determine terms, conditions, exclusions and limitations.
We're here to help! Please contact us in whatever manner is most convenient for you.
Mercer Health & Benefits
Insurance Services LLC
12421 Meredith Drive
Urbandale, IA 50398
Application Mailing Address
P.O. Box 9277
Des Moines, IA 50306-9277
Answers about the plan, including eligibility, options, enrollment, customer service and more.
What exactly is meant by professional liability insurance?
Professional liability insurance covers a lawyer and/or entity (such as a professional corporation) for monetary damages resulting from claims made by clients (and in some circumstances other third parties) based upon the rendering of, or failure to render, professional services as an attorney.
Professional liability insurance is also often referred to as "errors & omissions" or "E&O" or "malpractice" insurance. These are just different ways of saying the same thing.
What is the approximate indication of premium?
Because many insurance companies require voluminous applications to be completed in order to offer a binding premium quotation, attorneys often seek a premium estimate before they commit the time necessary to complete the application.
But the Arch application form is so simple that there is no faster way to get a quote.
Although completing the application does not guarantee that a quotation will be offered, once you get a quote from us, all you have to do is sign the acceptance and send us your down payment!
How do I get a quote?
Just click here!
How much coverage do I need?
This is a difficult decision for each lawyer and firm and is often based solely on cost. Please take into consideration the value of the matters handled by the firm. Please also remember that defense costs are part of, and reduce, the policy limits. This reduces the funds available to pay judgement or settlement. Insurance companies will normally allow you to adjust your limits, within parameters, each year. Under claims-made policies the limits of liability in force at the time a lawyer becomes aware of and reports a claim are the applicable limits for coverage. The average limits of liability purchased by small firms in California are $500,000 per claim / $1,000,000 aggregate.
How do I compare policies?
There is no such thing as a "standard" legal malpractice insurance policy. While all policies address the same basic coverage issues, there are differences in approach that can be very important in some circumstances. Mercer offers a free booklet titled "Understanding Your Claims-Made Lawyers Professional Liability Insurance Policy", which briefly describes some key issues and invites you to contact us with questions.
The program administrator, Mercer, can assist you with policy comparisons. In all cases, you should read the policy (including any endorsements) carefully and be sure you understand it before you order coverage.
How do I compare insurance companies?
Following are some key points of comparison:
Is the company admitted in California? Is the company rated by A.M. Best & Co., Standard & Poor’s and/or Moody’s?
How long and how successfully has the company written legal malpractice insurance?
Has the company demonstrated a commitment to this line of insurance through good and bad times?
Does the company respond promptly, appoint qualified defense counsel when necessary, and actively pursue a fair and speedy resolution?
The State Bar Approved Program is underwritten through Arch Insurance Company. Arch is rated Excellent by A.M. Best Co. Features of the Arch plan include:
Do I have to carry professional liability insurance?
If you practice as a shareholder of a professional law corporation, a partner in a firm organized as a Limited Liability Partnership ("LLP"), or as a Registered Foreign Legal Consultant, statutes and The State Bar rules require you to carry malpractice insurance or establish other financial responsibility arrangements. In addition to statutory and State Bar requirements, some clients may require you to carry and furnish proof of coverage as a condition of your engagement.
Current statistics show that in any given year, a minimum of five to six insured lawyers out of every 100 in private practice will experience a malpractice claim. Statistically, this means a firm of 20 lawyers could be the recipient of a claim every year.
Since the exposure to legal malpractice is greater now than ever before, it is a prudent part of law office management to establish meaningful loss prevention practices, including the purchase of proper lawyers professional liability insurance coverage.
According to surveys conducted on behalf of The State Bar, over 90 percent of California attorneys in private practice are covered by malpractice insurance.
Mandatory Disclosure Rule - Rules of Professional Conduct: Rule 3-410 Disclosure of Professional Liability Insurance requires a lawyer to disclose to a client in writing if they do not have professional liability insurance if they anticipate working more than 4 hours for the client.
Can I pay the premiums in installments?
The Lawyer's Proliability Program offers an optional, convenient premium financing plan, subject to credit approval. The plan requires an affordable down payment at the inception of coverage, with the balance payable in nine equal monthly installments of principal and interest beginning 30 days thereafter. Full details are provided at the time of quotation.
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