AFPD has more than 20 years of professional liability program management and claims handling experience, including over a decade of experience underwriting a Lawyers Professional Liability insurance program.

This admitted program couples broad legal liability insurance with special coverage features law firms need now -- from reputation-protecting crisis management insurance to coverage for pro bono work.

We Offer Coverage For:

• Negligent Acts, Errors & Omissions
• Personal Injury
• Identity Protection
• Defense Costs Outside of the Limit Available
• Pro Bono Work
• Fiduciary Liability
• EPLI Defense Coverage Sub-Limit
• Punitive Damages Where Insurable
• Free Retirement ERP (when insured by AFPD for 3 consecutive years)

Coverage Highlights:

• Broad coverage for claims alleging negligent acts, errors or omissions in legal services rendered, including claims alleging personal injury
• Policy deductible does not erode the limit of liability
• Pro bono coverage is not excluded
• A far-reaching definition of insured, including the firm’s current and past attorneys, etc.
• Insured versus Insured coverage where an attorney-client relationship exists
• Defense costs coverage ($25,000) for disciplinary hearings
• Crisis management insurance, providing up to $50,000 toward the fees of a public relations firm to help mitigate the damage certain “crisis events” can cause to an attorney and a law firm’s reputation while helping to prevent claims and mitigate damages
• Loss of earnings coverage (up to $250 per half day/$5,000 for the policy period)
• Coverage for fiduciary liability claims arising from legal services
• Flexible Bilateral Extended Reporting Period (ERP) options
• Up to $10 million in limits for qualifying firms
• Definition of the term damages includes punitive damages (to the extent permitted by law)
• Worldwide coverage is provided
• Severability applies to certain exclusions
• A toll-free loss control hotline is also available to all Insureds at no additional cost
• Minimum Premium of $1,000