Lawyers' Professional Liability


USI Affinity is proud to offer the BBA Insurance Program, which focuses on addressing the most commonly overlooked gaps in coverage to mitigate claims before they arise.


Featuring several enhanced coverages, including some never seen before in the LPL marketplace – the policy features of the BBA Insurance program focus on protecting your reputation, your income and your network:


  • Fee Suit Avoidance - In the event that an outstanding fee remains unpaid by a client, instead of suing for fees, which may result in a counter suit for malpractice, the Attorneys’ Preferred policy will allow for one fee, up to $10,000, to be reimbursed from the carrier. With the average US LPL claim at about $75,000, this could potentially protect the firm’s reputation from the negative impact of a counter claim for malpractice.

  • 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 $500 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 the policy limit 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.

  • Breach Event Expenses and Cyber Investigation Expenses - Coverage for breach event expenses directly resulting from a privacy or security breach. As well as coverage for cyber investigation expenses directly resulting from a regulatory investigation regarding a Privacy Breach or Security Breach.

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 BBA 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 Massachusetts 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