Voluntary Resolution Refund
This clause provides a waiver of a portion of the deductible for any claim that is voluntarily resolved within a specific timeframe of the date it is reported (50% to a maximum of $12,500 if resolved within 12 months; 25% to a maximum of $6,250 if resolved within 24 months).
Arbitration/Mediation
The Bar Plan provides a discount for attorneys providing arbitration and mediation services.*
Title Agent Coverage
Coverage is provided for attorneys while providing services as a title agent through their firm.
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.
Damages
Includes an award arising under 15 U.S.C. Section 1692k(a) (part of the Fair Debt Collection Practices Act).
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 (ERC) is available to attorneys who are at least 55 and cease the private practice of law. Free, unlimited ERC is also available upon death or disability of an attorney. To be eligible for free ERC, the attorney must have been insured with The Bar Plan for three (3) consecutive years.
Disciplinary Proceeding Coverage
Provides up to $10,000 to defend against formal disciplinary proceedings, subject to certain terms and conditions. No deductible applies and this coverage is in excess of policy limits.
First Dollar Defense
The Insured is responsible for the payment of the deductible only if an indemnity payment is made.*
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.
Prior Acts Coverage
Provides full coverage for acts or omissions occurring prior to the policy inception date.*
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.
Innocent Insured Coverage
Provides coverage to attorneys for the intentional acts (other than defalcating money or property) or omissions of other attorneys who are Insureds under their policy when the innocent insured had no knowledge and did not participate or acquiesce in the act or omission.
Defense for Intentional Acts
The Bar Plan will provide a civil defense to both the innocent insured and the accused insured for alleged intentional acts (other than defalcation of money or property), provided the act or omission arose while acting in a professional capacity providing legal services. The Bar Plan does not provide a defense for criminal prosecutions.
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