Legal Malpractice Insurance Brokers: How to Choose the Right One for Your Firm
Unlike the legal pads and binders you use every day, insurance is not the same everywhere you get it. Two law firms with the same number of attorneys, the same practice areas, and the same client base might still need very different coverage. That’s because who you buy from is just as important as what […]
How We Simplify Legal Malpractice Insurance Quotes and Renewals
For many law firms, applying for or renewing legal malpractice insurance can feel like preparing for a trial without a paralegal—it’s detailed, time-consuming, and requires absolute accuracy. This coverage is essential to protect your practice’s finances and reputation, but the process to get it (or keep it) often feels unnecessarily complicated. At Kouwenhoven & Associates […]
Professional Liability Insurance vs Errors and Omissions
If you’ve shopped for insurance to protect your business from lawsuits, you’ve probably seen two terms thrown around: professional liability insurance and errors and omissions insurance. They sound similar. They’re sometimes listed side by side in guides and policy documents. But do they mean the same thing, or are they two different types of protection […]
What Is Step Rating In Insurance?
If you’ve ever renewed a lawyers’ professional liability policy and noticed the premium jump, even without any claims or changes in your firm, you’re not alone. That increase is often due to something called step-rating of prior acts exposure, a standard feature of claims-made insurance policies. For law firms, especially newer practices or those that […]
What Is “TAIL” Coverage in Legal Insurance?
Congratulations, you’ve built a successful law practice. Whether you’re just launching a firm or preparing to retire, one risk many attorneys overlook is what happens after they close up shop. Professional liability policies are “claims-made,” which means the coverage ends when the policy does, unless you extend it. That’s where “TAIL” coverage comes in. Also […]
How Much Is a Legal Malpractice Case Worth?
You didn’t build your law firm just to spend your time defending it. But one legal malpractice claim can turn your entire practice upside down. Suddenly, your judgment is under scrutiny. Your reputation is questioned. And the trust you’ve built with clients, colleagues, and your community hangs in the balance. Most lawyers assume it won’t […]
Cyber Insurance for Law Firms: A Critical Investment in Your Firm’s Security
For attorneys, trust is everything. Clients depend on your law firm not just for sound legal advice, but also to safeguard sensitive details—from confidential business dealings to personally identifiable information. But in a digital world filled with sophisticated cyber threats, protecting this trust is increasingly complex. Cyber insurance for law firms goes beyond financial coverage—it’s […]
Claims Made vs Occurrence Policies: Which One Is Best?
When shopping for insurance, you’ll come across two key policy types: claims-made and occurrence. These terms describe how and when coverage is triggered—and the difference matters more than most people realize. For professional liability insurance, including legal malpractice coverage, nearly all policies today are claims-made. In fact, it’s exceedingly rare to find an occurrence-based legal […]
Professional Liability Insurance vs General Liability: What You Need to Know
As an attorney, you already understand the importance of managing risk. But when it comes to insurance, knowing the difference between general liability and professional liability coverage isn’t just a technicality—it’s the key to making sure your practice is actually protected. Many firms assume that their general liability or business owner’s policy has them fully […]
Is a Breach of Confidentiality Covered By Insurance?
Law firms run on trust. Clients count on their attorneys to keep sensitive information—such as contracts, trade secrets, or personal details—completely confidential. But even in a well-run practice, a small oversight can lead to a breach of confidentiality with serious consequences. Most lawyers understand their ethical duties, but not everyone realizes how easily a breach […]
