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The Bar Plan has been writing malpractice insurance for more than 30 years.

We have had a dominant market share in lawyer’s malpractice insurance (Lawyers’ Professional Liability insurance) in Missouri since our formation in 1985. Our rates are based on actuarial experience and not market opportunity and because of this, our products and services are for the benefit of our legal communities.

We have a lasting commitment to supporting our legal communities through sponsorships, membership and active involvement in leadership committees. Our years of experience have led us to be the only legal malpractice carrier endorsed by The Missouri Bar and the Tennessee Bar Association. We utilize experienced local defense counsel to defend your claim. All of our claim counsel are attorneys, and most of our Board of Directors are experienced attorneys. We help lawyers build a better practice because we directly understand the needs of your practice.

To apply for coverage, click on the applicable link above. Completed applications should be emailed to TBPUnderwriting@thebarplan.com or faxed to the Underwriting Department at 314-821-0534.

Please Note: This summary is for illustrative purposes only and is not determinative of coverage. Refer to your policy form and endorsements for coverage details.

Policy Features and Additional Coverage

First Dollar Defense

With first dollar defense, you pay your deductible ONLY if there is a payment for Damages. The company pays your defense costs not to exceed limits of liability.

Voluntary Resolution Refund

Waives 50% of your deductible to a maximum of $12,500 if the claim is voluntarily resolved within 12 months of the date it was reported. If the claim is resolved within 24 months, 25% of your deductible, to a maximum of $6,250, is waived.

Cyber Liability Coverage

The Bar Plan endorsed all Policies with an effective date on or after  January 1, 2018 with this Coverage.

Limits of liability are $50,000 per claim, with aggregate limits of $50,000 for firms up to 10 attorneys or $150,000 for firms with more than 10 attorneys.

Click here for details.

Title Agent Coverage

Coverage is provided for attorneys who perform title agent services through their firm. Coverage is not available when acting as a title agent for a separate entity.

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.

Coverage for FDCPA Damages

Covered damages include awards arising under 15 U.S.C. Section 1692k(a) (part of the Fair Debt Collections Practices Act). Most carriers do not provide this coverage.

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.

 

Disciplinary Proceeding Coverage

Provides up to $10,000 each and $20,000 aggregate to defend against formal disciplinary proceedings, subject to certain terms and conditions. No deductible applies and this coverage is in excess of policy limits.

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. Certain restrictions apply.

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.

Coverage Follows the Attorney

Insured attorneys are covered for all their Legal Services unless a specific exclusion applies. Many carriers limit coverage to work performed only on behalf of the insured firm or its predecessor firm(s), which can eliminate coverage for all other prior acts or any Legal Services not performed on behalf of the insured firm or its predecessors.

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).

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 acts (other than defalcating money or property) or omissions of other attorneys who are Insureds under their policy when the “innocent insured” had no prior knowledge, did not participate or acquiesce in the act or omission, and timely reports upon first knowledge.

Defense for Intentional Acts

Provides 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

Allows up to 60 days to report the addition of new attorneys. New attorneys are automatically covered during this 60-day notice period for legal services rendered on behalf of the policyholder firm.

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