The USI Affinity Difference

Now available in Tennessee - The USI Affinity Lawyers’ Professional Liability Program for Tennessee attorneys and their firms. Offering comprehensive coverage, excellent service and competitive rates.

For more than 50 years, USI Affinity has been the established market leader in providing insurance solutions for the unique needs of the Legal Profession, specializing in lawyers' professional liability.

USI Affinity has the expertise and market leverage to design comprehensive and innovative insurance and benefits packages for law firms, with unique advantages in coverage, price and service.

With more than a dozen Bar Association endorsements and over 40,000 attorneys insured, USI Affinity is one of the largest writers of Lawyers' Professional Liability in the United States.

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

• Limits up to $10,000,000 available for all qualified Tennessee law firms
• 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
• 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 lawyers' professional liability 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 firm
• Prior acts coverage available for lawyers joining a Tennessee law firm during the policy period (a new lawyer application and underwriting approval are required)
• Multiple extended reporting period options, including an unlimited option
• 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)