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Insurance Defense Program

Offering Discounted Rates for Lawyers who Primarily Practice Insurance Defense Law


The Insurance Defense Program is a "Special" Program included as part of our Standard Program. It offers discounted premiums if your practice is 85% or greater insurance defense. As part of the Standard Program, it is available for all types and sizes of law firms.



Features

  • Low rates based on your practice being 85% or greater insurance defense. (See Minimum Enrollment Qualifications for details.)
  • Prior Acts Coverage available to all eligible policyholders.
  • Limits of Liability range from $100,000 per claim/$300,000 annual aggregate to $5,000,000 per claim/$7,000,000 annual aggregate.
  • $50,000 annual Claims Expense Allowance in addition to your policy limits.
  • "Claims-Free Credits" -- Earn premium credits based upon future Claims-Free years with LMIC.
  • Coverage for non-lawyer employees of the Named Insured.
  • Coverage available for "Of Counsel" to the Named Insured.
  • Built in "tail" coverage for former partners and/or employees of the Named Insured.
  • The policy applies to acts, errors or omissions occurring anywhere in the world.
  • "Tail" coverage options available for 1 year, 3 years, 5 years or a lifetime.
  • Full LMIC member benefits during the policy period, including our ongoing FREE Loss Prevention and Continuing Legal Education Programs and materials.
  • FREE Cyber Coverage in the amount of $100,000 incident/aggregate.

Coverage









Limits of Liability
(Available by approval)
Per Claim/Annual Aggregate
$100,000/$300,000
$250,000/$750,000
$500,000/$1,500,000
$1,000,000/$3,000,000
$2,000,000/$4,000,000
$4,000,000/$6,000,000
$5,000,000/$7,000,000
     
  Per Claim


Deductible
(Available by approval)
$5,000 (maximum if solo practitioner)
$10,000
$25,000
$50,000

Minimum Enrollment Qualifications

  • Practice must be at least 85% insurance defense. Insurance defense is defined as carrier appointed to represent its' policyholders and does not include representation of self-insured entities.
  • Principal office must be located in California.
  • All lawyers to be insured under this policy must be currently licensed to practice law in the state of California by the State Bar of California.

Download Application

If the Lawyers' Mutual Insurance Defense Program looks to be the appropriate Program for you or your firm, click here to download an application to submit to the Company. Final approval is subject to review and underwriting by LMIC of a completed Standard Program Application, including all requested attachments and additional information.

To download the application, you must have Adobe Acrobat Reader installed on your system. If you don't have the program, click on the icon below to get your free download.

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