An Insurance and Risk Management Program for Lawyers.

As a lawyer, you understand your client's needs, and you work diligently on their behalf. You also understand that your work carries serious risks; risks that could affect you personally and professionally.

In response to your needs, Willis Programs has developed the LawyerGuard Insurance Program. This program evolved from our 20+ years of experience in insuring attorneys all over the nation.

Willis Programs has a unique understanding of the exposures you face. Our experienced professionals know how to provide the products to protect you.

The LawyerGuard Program consists of two components:

• Preferred Program for Defense Attorneys with 51% or more in the defense area of practice.
• Standard Lawyers Professional product.

Both contain industry leading coverages at competitive rates!

• Mutual choice of counsel
• Coverage for punitive damages on a “most favorable law” basis
• Provides a 50% reduction in the deductible if the claim is settled through mediation (subject to a $25,000 maximum)
• Offers an individual tail option whereby any lawyer is able to purchase an individual tail for a flat $1,500 when ceasing the practice of law
• Crisis event coverage
• Pre-claim assistance
• No deductible for claims from pro bono work
• A “soft” hammer clause
• High loss of earnings and disciplinary defense coverage limits
• Free retirement tail with no minimum retirement age
• Free death/disability tails
• 1, 2, 3, 5 year and unlimited tail options included in policy
• Express coverage for malicious prosecution under the definition of personal injury
• Up to $10 million in capacity
• Claim Expenses Outside Limits available to qualifying firms
• Loss Only and Aggregate Deductibles available to qualifying firms

Defense Lawyers Professional
If the law firm qualifies for the DRI program (with 51% or more of its area of practice in defense work), it will also receive the following:

• An endorsement to the policy that eliminates five exclusions
• 10% reduction in the deductible
• Subpoena assistance coverage
• An additional premium credit of 10-15%.

Coverage is provided on a non-admitted basis in CT, ME, NH & VT and available on an admitted basis in all other states.

*This page is intended as a brief overview of the coverages offered. Please ask your LawyerGuard representative for copies of the policy forms for a full description of coverage.