Policy Highlights

New Enhancements:

  • Settlement Control - The carrier will never settle a claim on your behalf, without your consent. USI Affinity understands that your reputation is a valuable asset and we want to help you to protect it. Should you choose to fight a claim that you believe has no merit, you will not be responsible to cover the difference between the proposed settlement amount and actual, should the claim be settled against you.

  • Loss of Earnings - In the event that you have to make court appearance to fight a claim, you are entitled to recoup those billable hours lost. USI Affinity negotiated with the carrier for reimbursement of $1000 per day, up to $25,000 per claim, regardless of the number of insureds or days in attendance, or the number of trials. $50,000 Aggregate. Reimbursement not subject to deductible.

  • Subpoena Assistance - Responding properly, adequately and timely to a subpoena is critical – but not always easy to do. USI Affinity has negotiated with the carrier to provide Professional Subpoena Assistance and reimbursement up to $50,000 per policy period for all reasonable attorneys fees and other costs, expenses and fees related to subpoena response. Reimbursement not subject to deductible.

  • License Protection - You worked hard to earn your license to practice law – what would you do without it? Should a disciplinary proceeding be brought against you, USI Affinity negotiated to have the carrier cover up to $50,000 per disciplinary proceeding and $100,000 in aggregate, per policy period. Reimbursement not subject to deductible.

  • Reputation Coverage - In today’s digital world, news spreads fast - especially bad news. Should your firms be negatively impacted due to false accusations made publicly, USI Affinity has negotiated up to $25,000 reimbursement of reasonable fees, costs and expenses for consulting services provided by a public relations firms for each crisis event, up to $50,000 for all crisis events in a policy period. Payments made are not subject to a deductible.

  • Cyber-Breach Notification - In the event of a breach, the correct response in a timely manner is critical. USI Affinity has negotiated to have all fees and expenses associated with breach investigations and adhering to state notification laws covered up to $50,000 per claim. Payments made are not subject to a deductible.

Additional Highlights of the Program’s Lawyers' Professional Liability Coverage Include:

  • 5% Bar Association membership Credit. This credit will be applied to your LPL premium for each attorney in the firm that is a D.C. Bar member.
  • Exclusive risk management and loss prevention services for insureds, including a website of information and guidance and a consultation hotline staffed by loss control experts.
  • Limits up to $10,000,000 available for all qualified D.C. area law firms
  • Supported by the strength of an “A rated” insurance company
  • Easy Claim Reporting
  • Free ERP (Tail) for retired attorneys in good standing who have been insured with the company for at least three years
  • Choice of defense costs inside or outside the limit of liability available for qualified firms
  • Liberalization clause – if the company adopts any revision that broadens coverage under the policy, it will apply immediately at no additional premium at any time during the policy period
  • Pro bono work is definitively covered

What is Covered under Lawyers' Professional Liability:

  • Court attendance expense reimbursement $500/day to a maximum of $10,000 per claim and $50,000 in the aggregate, no deductible applies
  • The company will provide reimbursement of up to $25,000 per complaint and $50,000 policy aggregate for the defense of a disciplinary proceeding, no deductible applies and any payment is in addition to the limit of liability
  • Prior acts coverage for an individual attorney working at a D.C. area law firm
  • Prior acts coverage available for lawyers joining a firm during the policy period (a new lawyer application and underwriting approval are required)
  • Multiple extended reporting period options, including an unlimited option
  • Subpoena coverage of up to $5,000 per policy period, no deductible applies and any payment is in addition to the limit of liability
  • Broad definition of legal services include services for others as a lawyer, arbiter, mediator, title agent, a notary public, or member of a bar association, ethics, peer review, or similar board or committee and as an administrator conservator, receiver, executor, guardian, trustee, or in a fiduciary capacity (excluding ERISA)