# Lawyer Professional Liability (LPL) Malpractice coverage built around the realities of legal practice. ## About lawyer professional liability LPL is the E&O of the legal profession. It responds to claims of negligence, missed deadlines, conflicts of interest, and bad advice, on a claims-made basis with prior-acts coverage that follows the lawyer, not the matter. ## What this policy responds to The core exposures this coverage line responds to. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## What drives the cost Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### What does prior-acts coverage do for a lawyer? Prior-acts coverage follows the lawyer, not the matter, so work done before the current policy stays covered. It matters most when an attorney changes firms or a firm changes carriers. ### Is LPL required to practice? Requirements vary by state. Some jurisdictions mandate it or require disclosure if you do not carry it, and many clients and courts expect it regardless. Confirm your state's rule. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time.