Subpoena Assistance
Pays attorney’s fees for counsel to assist insured attorneys in responding to a subpoena. This coverage is in addition to policy limits and is not subject to a deductible.
Voluntary Resolution Refund
Waives 50% of your deductible to a maximum of $12,500 if the claim is resolved within 12 months of the report. If the claim is resolved within 24 months, 25% of your deductible to a maximum of $6,250 will be waived.
Arbitration/Mediation
The Bar Plan provides a discount for attorneys providing arbitration and mediation services.*
Coverage for FDCPA Claims
Unlike The Bar Plan, most carriers do not provide coverage for FDCPA claims.
Personal Injury Coverage
Provides coverage for certain negligent acts while performing legal services. Includes false arrest, humiliation, detention or imprisonment, invasions of private occupancy, libel, slander and violations of an individual’s right of privacy.
Extended Reporting Coverage
Allows an insured to extend the period during which a claim can be reported after the policy expiration date. Qualification is subject to underwriting guidelines and coverage only applies to acts or omissions prior to policy expiration.
Free Unlimited Extended Reporting Coverage
Available for those who retire, have attained the age of 55 and have been insured with The Bar Plan for three (3) consecutive years. Available in the event of death or permanent total disability if you have been insured with The Bar Plan for three (3) consecutive years.
First Dollar Defense
You pay your deductible only if there is an indemnity payment.
Prior Acts/Career Coverage
Provides true coverage for prior acts or omissions whether performed on behalf of the Policyholder or prior firm.
Disciplinary Proceeding Coverage
Provides coverage up to $10,000 for any formal scheduled hearing. No deductible applies and coverage is excess of policy limit.
Limits of Liability
Range from $100,000 to $5,000,000 with excess limits available up to $10,000,000. In New Mexico, limits start at $500,000.
Damages
Includes an award arising under 15 U.S.C. Section 1692k(a) (part of the Fair Debt Collection Practices Act).
Broad Definition of Legal Services
Includes services performed as a notary public, mediator, arbitrator, administrator, conservator, executor, guardian, trustee, receiver or any similar fiduciary capacity.
Title Agent Coverage
Coverage is provided for attorneys while providing services as a title agent through their firm.
Broad Definition of Insured
Former partners, members, officers, directors, stockholders, associates or employees of the firm or predecessor firm(s).
Consent to Settle Clause
This clause gives the Policyholder the ultimate decision regarding settlement of a claim. However, The Bar Plan may elect to limit its liability to the amount for which the claim could have been settled by giving the Policyholder 15 days prior written notice before invoking this provision.
Innocent Insured Provision
Provides coverage to all innocent insureds who, during the Policy Period and within 20 days after obtaining knowledge of a Claim, or of an incident, act or omission that may give rise to a Claim, give written notice to the Company.
Defense for Intentional Acts
Provides a defense to both the innocent insureds and to the person accused of the wrongdoing (other than criminal allegations or defalcations of client funds or property) if the insured was acting in a professional capacity providing legal services.
Former Partners, Associates and Non-Attorney Coverage
Former partners, associates and non-attorneys are covered for acts or omissions that occurred on behalf of the firm during their employment.
Automatic 60-Day Coverage
New attorneys joining an insured firm are automatically covered for the first 60 days for legal services rendered on behalf of the Policyholder.
Non-Attorney Coverage
Provides coverage for paralegals and others who work in your office (except for defalcations by non-lawyer employees of money or property held by the firm for the benefit of a claimant or other party).
Please Note:
Coverage summary only. Please refer to the policy form and endorsements for coverage details.
*Qualification is subject to underwriting guidelines