If your law firm is currently insured with CNA in Louisiana or Florida, your next renewal may involve a change you weren’t expecting. In Louisiana, that change affects renewals on or after January 1, 2026. In Florida, it begins with renewals starting May 1, 2026.
The program administrator that was previously handling CNA policies has replaced CNA with Old Republic.
For some firms, this will feel like an administrative update. It’s more than that. If your renewal offer moves from CNA to Old Republic, you may be changing carriers, even if you didn’t intend to make a broader insurance change.
That is why this is worth understanding the potential impact of this change. And if your firm wants to stay with CNA, there may still be a path to do that through an agency who has a relationship with CNA, like Kouwenhoven & Associates.
Why This Matters for Law Firms
For many firms, this may sound like an administrative change rather than a coverage issue. But in malpractice insurance, those two things are not always separate.
At renewal, a change in administrator can create confusion about what options are available, how the renewal is being handled, and whether the firm is actually being offered the same coverage it had before.
A change in insurer can go further than that. It can affect the policy itself, including how coverage is structured, how claims are handled, and how prior work is treated under the new policy.
That is why firms should not treat this as a routine switch. Legal malpractice coverage isn’t something to move casually from one arrangement to another without understanding what is staying the same and what is changing.
Before renewing, firms should know that they are changing insurers and what that could mean for the continuity of their coverage moving forward.
How a Specialist Broker Can Help
This is the kind of change where it helps to have someone looking at more than just the renewal offer in front of you.
A specialist broker can help a firm understand the potential impact of changing carriers. Just as important, they can help the firm understand what that change actually means in practice. That includes reviewing whether the new policy is comparable, whether continuity is being preserved, and whether the transition is being handled in a way that avoids unintended gaps.
For law firms, that kind of guidance matters because malpractice coverage is not something that should be evaluated on surface-level similarities alone. A transition like this is a good time to make sure the firm understands its options, its risks, and the long-term implications of the choice it makes.
Guidance For What Matters
A change in program structure does not automatically mean there is a problem. But it does mean firms should take a closer look before treating the renewal as business as usual.
If your firm is affected by this transition, this is not a decision you should have to sort through on your own. Kouwenhoven works with law firms every day on professional liability coverage, renewals, and continuity issues, and can help you evaluate your options before your renewal date arrives.
If you are weighing whether to stay with CNA, move with the program, or review other available paths, now is the time to get clarity. A careful review before renewal can make the difference between a smooth transition and avoidable coverage problems later.
