Florida Professional Liability Insurance For Lawyers
Every law firm in Florida faces risk. Even the most careful attorney can encounter a missed deadline, a conflict of interest, or a client who simply isn’t satisfied with the outcome of a case. When that happens, the financial consequences can be severe, but the reputational damage can be even greater.
Professional liability insurance, often called legal malpractice or E&O coverage, is designed to protect your firm from those risks. But in Florida, choosing the right policy isn’t as simple as comparing premiums. Issues like retroactive dates, tail coverage, and Florida Bar expectations make it essential to work with a specialist who understands the legal profession inside and out.
At Kouwenhoven & Associates, we’ve spent more than 30 years helping Florida attorneys secure malpractice coverage that protects their practices, their clients, and their credibility.
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What Is Professional Liability Insurance?
Professional liability insurance, also known as Florida attorney liability coverage, legal malpractice insurance or errors and omissions (E&O) insurance, protects Florida attorneys when a client claims their work caused financial harm. These policies respond to allegations of errors, conflicts of interest, or other professional mistakes that can lead to costly lawsuits.
For your firm, that means:
- Defense costs are covered so you don’t pay out of pocket.
- Judgments and settlements are handled within your policy limits.
- Your reputation is protected when disputes arise.
Because most policies are written on a claims-made basis, the details matter: your retroactive date, tail coverage options, and continuity of coverage can determine whether a claim is fully covered or denied. Choosing the wrong policy—or the wrong agent—can leave dangerous gaps, expose your firm to denied coverage, and jeopardize a favorable outcome for your clients.
At Kouwenhoven & Associates, we help Florida law firms secure malpractice insurance that fits their practice and satisfies Florida Bar expectations. Our team knows how to navigate the fine print, compare carriers, and make sure you’re protected today and for years to come.
Years of Experience, Est. 1993
Insurance Policies
Firms Covered
Why Florida Legal Malpractice Insurance Is Essential
While Florida attorneys are not legally required to carry malpractice insurance, the reality is that going without it isn’t a valid option. Clients, judges, and opposing counsel often assume you’re insured, and they may ask outright. If the answer is no, your credibility and ability to compete for business are instantly at risk.
Even one claim can jeopardize a firm’s finances. Defense costs alone can reach six figures, and any settlement or judgment would come directly out of your pocket. Just as important, your reputation could be damaged beyond repair.
That’s why professional liability insurance has become the standard of practice in Florida. It also aligns with Florida Bar insurance requirements and broader bar rules on client protection.
Malpractice insurance for Florida law firms is not just a safety net; it’s a requirement for earning client trust and protecting the business you’ve built.
Essential Protections Every Policy Should Include
Not all malpractice policies are created equal. The right coverage ensures that your firm is protected not only from today’s claims, but also from issues that may surface years down the road. Key features include:
- Defense costs – Your attorney fees and legal expenses are paid so you can focus on your case, not your bills.
- Liability coverage – Settlements and judgments are covered up to the limits you select.
- Retroactive date – Ensures that prior work is included, so long as coverage has been continuous.
- Tail coverage (Extended Reporting Period) – Critical for retirement, firm closure, or mergers, allowing you to report claims after your policy ends.
- Risk management – CLE credits, practice resources, and claims prevention tools offered through select carriers.
The fine print of these protections makes all the difference in a malpractice claim. Our team reviews every option and helps Florida firms choose the coverage terms that provide real security, not empty promises.
You Can Trust Our Expert Insurance Solutions
Since 1993, Kouwenhoven & Associates Inc. has specialized in connecting law firms with the professional liability insurance they need.
30+ Years' Experience
We don’t just know insurance, we understand the risks that face you and the solutions that will give you peace of mind. Our 30-year experience has also given us insight into which carriers are best for your needs.
Professional Liability Insurance Specialists
We specialize in legal professional liability insurance—something that very few agencies can say. We have built great relationships with insurance carriers, and from E&O to EPLI, we have access to a wide range of policies that fit your needs.
Your Insurance Advocates
We know insurance can be complicated. That’s why we’re always at your side to advocate for your claims as well as help with the complicated process of policy renewal. Being an independent agency, we can shop all the top carriers in the market and make the application process more seamless for you.
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Review Your Options
We will analyze your information and present you with a variety of coverage options that fit your needs and budget.
Get Insured
Represent your clients with confidence, knowing that you have coverage against a wide range of risks.
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