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Welcome to the nation's leader in insurance for solo and small law firms
EASY, COMPLETE INSURANCE SOLUTIONS FOR YOUR FIRM

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[H2] Insurance for Solo Attorneys

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We understand that solo attorneys have to do it all. Explore the most common insurance solutions created just for the solo attorney.

SOLO SOLUTIONS

[H2] Insurance for 2-4 Attorney Firms

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Your firm is anything but small. Let us protect what makes you unique and craft an insurance solution as targeted as the focus you provide for your clients.

SMALL FIRM SOLUTIONS

[H2] Insurance for 5+ Attorney Firms

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You're not "big-law," yet you face challenges that are growing increasingly complex. Protect the day-to-day aspects before they become too big to handle.

LARGER FIRM SOLUTIONS

[H3] Find recommended insurance policies by firm size.

[H1] It's Easy To Get All Your Law Firm Insurance From The Legal Malpractice Insurance Carrier You Trust
Knowing which insurance is best for your firm shouldn't be so difficult.
Take confusion out of the mix. All we do is insurance for law firms.

[H4] Your time should be spent with your clients. Not on navigating what insurance you need.

[H2] LET US DO THE LEGWORK. GET THE RIGHT INSURANCE. AT THE RIGHT PRICE.

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[H4] Avoid Insurance Hassles
You no longer need to navigate a challenging insurance world alone when you deal with the dedicated attorney insurance team at ALPS.

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[H4] Save Time With One Solution
Keep the focus on your clients when you choose a partner that provides you with one solution to protect your entire firm.

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[H4] Deal With Law Firm Experts
Relax knowing you are partnering with the only national insurance company dedicated to solo and small law firms.

APPLY NOW

FREE INSURANCE REVIEW

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[H4] We understand the importance of making insurance affordable and easy for you.While insurance is our business,ALPS is passionate about the success of your law firm — and of you as a person.

You get access to insurance solutions no other agency can provide. All of them created just for attorneys and law firms.

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ALPS Insurance provides you exclusive access to ALPS Property & Casualty -- the largest direct writer of Legal Malpractice Insurance and endorsed by more State Bars than any other carrier.

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Choose from a library of resources all aimed at making you better at what you do as an attorney.

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ALPS champions attorney wellness — protecting you is as important as protecting your firm.

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[H2] The Verdict Is In. ALPS is Law Firm Insurance Made Easy.

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[H2] Legal Malpractice Insurance
Our flagship product, ALPS is the nation's leader in insurance for solo and small law firms. Gain peace of mind with simple, smart protection for your firm. 100% online. 100% easy.

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[H2] Cyber Liability Insurance
Now more than ever, you need coverage that includes your firm's digital footprint. ALPS has been at the forefront of providing cyber liability insurance designed specifically for law firms.

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[H2] Business Owner's Policy (BOP)
Combining various insurance coverages into one convenient policy, a BOP is a great solution when you want something tailored to you.

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[H2] Workers' Compensation Insurance
Mandatory in some states, WC protects employees from work-related injuries and illnesses. Instead of having to defend yourself in court, it pays for the costs of a claim.

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[H2] General Liability Insurance
Unlike professional liability, general liability insurance protects against claims of bodily injury or property damage during normal law firm operations.

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[H2] Employment Practices Liability
Protect your firm from the litigious nature of today's workplace. People today tend to sue first and sort out the details later. Get covered for more than the risk of a malpractice claim.

[IMG: GET A BOP]

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[H2] Crime Insurance
Protect your firm from any losses due to theft, fraud, and burglary committed by your employees and outside entities. Client data and funds can be attractive to theft and crime.

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[H2] Surety Bonds for Attorneys
Similar to insurance, a bond is an agreement between three parties to pay a benefit to one of them. Common attorney bonds are Notary, Court, Fidelity, and Title agent/Real Estate closing bonds.

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[H2] Commercial Auto Insurance
Commercial auto insurance provides liability and physical damage coverage for vehicles used in a law firm's business. Commercial vehicles pose more risk than personal vehicles.

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[H2] Directors & Officers Liability
Directors & Officers (D & O) Insurance protects lawyers from personal losses if they are sued for serving as a director or officer of an organization.

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[H2] Employed Lawyers Liability
Offered as a Miscellaneous E & O policy, get coverage for your professional legal services when offered as an in-house attorney.

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[H2] Not sure which insurance is right for your firm?
[H4] Answer 5 Questions and Get Personalized Recommendations That Fit Your Firm
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[H2] Protecting Your Law Firm is as Easy as 1, 2, 3

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[H2] Step 1. Provide a Complete Application
From a 100% online legal malpractice application to a simple form to start a quote for the rest of your law firm's insurance coverage, it's easy to get started.

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[H2] Step 2. Receive Your Custom Quote
Whether you're a solo attorney accepting an Instant Quote for malpractice insurance or a small firm evaluating multiple coverages, you will receive a customized insurance proposal unique to your firm.

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[H2] Step 3. Accept. Pay. Relax.
Once you accept your quote and your policies are issued, you will be welcomed and invited to share in all of the resources you need. You can relax knowing you're insured by a company that looks out for your law firm's best interests.

APPLY NOW

FREE INSURANCE REVIEW

[H3]

[H2] THE ALPS GUIDE TO PURCHASING ATTORNEY INSURANCE

[H4] Insuring the Business Risks of a Law Practice
Navigating the insurance world can be confusing for attorneys. This free guide walks you through the ins and outs of providing protection for the business of law.
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[H4]
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Learn the basics of Lawyers' Professional Liability Insurance
While it is the most important insurance for a solo attorney to purchase, lawyers' professional liability insurance (LPLI) can be confusing. This guide covers the basics and gets you started on the right foot.

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Understand When to Purchase
Being informed on the impact of the various dates of your policy can make a difference in the short -- and long -- term.

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Know what your dollars will buy
Policy limits, deductibles, and defense costs (oh my!). Understand what you get for the money you spend.

GET THE GUIDE

Solo Attorneys

2-4 Attorney Firms

5+ Attorney Firms

Solo Attorneys
2-4 Attorney Firms

5+ Attorney Firms

Recommended Coverages

Lawyers' Malpractice Insurance AKA Professional Liability Insurance. The core product for every law firm, this covers the professional services you offer to your clients

Cyber Liability Insurance Protection for your firm's digital footprint against the ever-evolving world of cybercrime.

Business Liability Insurance (other than professional services) Coverage for claims from operating a business - can include business property coverage too!

Workers' Compensation Insurance Mandatory in some states, WC protects from work-related employee injuries and illnesses.
Only if you employ any staff

Employment Practices Liability Insurance This is liability coverage from employee lawsuits. It can also provide coverage for non-employee 3rd party claims.
Recommended if you employ any staff or use contractors.

Crime Insurance Protection from theft, fraud, and burglary. Includes coverage for partner or employee theft.
Recommended if your firm handles funds, data, or client information.
Recommended if your firm handles funds, data, or client information.

Recommended if your firm handles funds, data, or client information.

Commercial Auto Insurance Liability and physical damage protection for vehicles used for firm business.
Recommended if any members of the firm drive a vehicle on behalf of the firm.
Recommended if any members of the firm drive a vehicle on behalf of the firm.

Recommended if any members of the firm drive a vehicle on behalf of the firm.

Attorney Bonds Common attorney bonds are Notary, Court, Fidelity, and Title agent/Real Estate closing bonds.
Can be required for court cases, real estate cases, etc.
Can be required for court cases, real estate cases, etc.

Can be required for court cases, real estate cases, etc.

Directors & Officers Liability Insurance Protects lawyers from personal losses if they are sued as a result of serving as a director or an officer of an organization.
Recommended if attorney is a director or officer of an organization
Recommended if attorney is a director or officer of an organization

Recommended if attorney is a director or officer of an organization

Get Solo Coverage

Get Small Firm Coverage

Get Larger Firm Coverage

[H2] Frequently Asked Questions about ALPS Insurance

[H4] Why is ALPS the best insurance provider for solo and small firm attorneys?
ALPS is more than just a malpractice insurance provider—we're a partner committed to helping solo and small firm attorneys thrive. Here’s why attorneys across the country choose ALPS:
1. We specialize in insurance for lawyers and law firms.Unlike general insurers, ALPS is 100% focused on the legal community. That means every policy, process, and person is dedicated to protecting attorneys, especially solos and small firms.
2. We’re trusted by more state bars than anyone else.ALPS is the only provider endorsed by more state bars than any other carrier. Those endorsements reflect the trust and confidence legal professionals and their associations place in us as their partner.
3. We handle claims the way lawyers would want them handled.Our claims are managed in-house by experienced attorneys. We understand what’s on the line and treat every claim with the care and professionalism it deserves.
4. We help you minimize the risk of claims in the first place.From free CLEs and risk management tools to practice tips and client education resources, we equip you with the tools to run a stronger, safer practice.
5. We make it easy to get covered.Our online application is fast, simple, and designed to fit into a busy attorney’s schedule. You can get a quote, customize coverage, and secure your malpractice policy online—without a phone call.
6. We’re built for firms like yours.While other insurers focus on large firms, ALPS is designed from the ground up for solo practitioners and small firms. That means tailored coverage, fair pricing, and service that understands your world.

[H4] Why do attorneys need insurance?
A common misconception among some attorneys is that the likelihood of facing a malpractice claim is minimal, leading them to forgo insurance. However, even baseless allegations require a defense, which can be costly. The following numbers will vary between different states, practice areas, and across time. However, approximately 4% of private-practice lawyers in the U.S. will face an allegation of malpractice in any given year. Even if many of those allegations resolve without any loss being paid, those claims still have an impact. Claims can easily take 6 to 24 months to resolve, and defense costs on a claim with any merit can quickly exceed $25,000.
Beyond financial protection, malpractice insurance offers peace of mind, allowing attorneys to focus on their practice without worrying about potential claims. ALPS also provides risk management resources, such as CLE, practice forms, and templates, to help attorneys proactively mitigate the risk of a claim.
Please check out our blog titled, Why Purchasing Legal Malpractice Insurance Is Always a Good Business Decision.

[H1] BUSINESS INSURANCEFOR LAW FIRMS
[H2] Get One Insurance Solution from the Malpractice Carrier You Trust.

START A QUOTE

SCHEDULE A FREE CONSULTATION

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[H2] You work hard as an attorney. Let us make it easy to protect your entire firm.

It can be time-consuming and difficult to navigate the attorney insurance world. How do you know what the best coverage is for a law firm? Who can you trust to protect your law firm?
[H4] You Deserve A Complete Solution Designed Just For Law Firms

[H2] Let us do the legwork and get some time back in your life.

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[H4] Avoid Insurance Hassles
You no longer need to navigate a challenging attorney insurance world alone when you deal with a dedicated business insurance team at ALPS.

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[H4] Save Time With One Solution
Focus on your clients and your business by protecting your firm with a partner that can provide you with one solution.

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[H4] Deal With Law Firm Experts
Relax knowing that you are partnering with the only national insurance company dedicated solely to law firms.

ALPS Business Insurance is not available in OR, LA, NY or the USVI

START A QUOTE

SCHEDULE A FREE CONSULTATION

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[H2] Legal Malpractice Insurance
Our flagship product, ALPS is the nation's leader in insurance for solo and small law firms. Gain peace of mind with simple, smart protection for your firm. 100% online. 100% easy.

[IMG: GET LPL]

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[H2] Cyber Liability Insurance
Now more than ever, you need coverage that includes your firm's digital footprint. ALPS has been at the forefront of providing cyber liability insurance designed specifically for law firms.

[IMG: GET CYBER]

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[H2] Business Owner's Policy (BOP)
Combining various insurance coverages into one convenient policy, a BOP is a great solution when you want something tailored to you.

[IMG: GET A BOP]

[IMG: Line icon of woman with arm in cast]

[H2] Workers' Compensation Insurance
Mandatory in some states, WC protects employees from work-related injuries and illnesses. Instead of having to defend yourself in court, it pays for the costs of a claim.

[IMG: GET WORKERS]

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[H2] General Liability Insurance
Unlike professional liability, general liability insurance protects against claims of bodily injury or property damage during normal law firm operations.

[IMG: GET COVERED]

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[H2] Employment Practices Liability
Protect your firm from the litigious nature of today's workplace. People today tend to sue first and sort out the details later. Get covered for more than the risk of a malpractice claim.

[IMG: GET A BOP]

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[H2] Crime Insurance
Protect your firm from any losses due to theft, fraud, and burglary committed by your employees and outside entities. Client data and funds can be attractive to theft and crime.

[IMG: GET PROTECTED]

[IMG: Line icon of shaking hands with document and pen behind them]

[H2] Surety Bonds for Attorneys
Similar to insurance, a bond is an agreement between three parties to pay a benefit to one of them. Common attorney bonds are Notary, Court, Fidelity, and Title agent/Real Estate closing bonds.

[IMG: GET A BOND]

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[H2] Commercial Auto Insurance
Commercial auto insurance provides liability and physical damage coverage for vehicles used in a law firm's business. Commercial vehicles pose more risk than personal vehicles.

[IMG: GET AUTO]

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[H2] Directors & Officers Liability
Directors & Officers (D & O) Insurance protects lawyers from personal losses if they are sued for serving as a director or officer of an organization.

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[H2] Employed Lawyers Liability
Offered as a Miscellaneous E & O policy, get coverage for your professional legal services when offered as an in-house attorney.

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[H3] Not sure which insurance you need?
[H4] Take our free quiz and find your firm's best business insurance products.
[H5] Answer 5 questions and get a set of personalized recommendations.

TAKE THE QUIZ

[H2] You Deserve the Best Attorney Insurance Experience You Can Get

ALPS was amazing! Everything was thoroughly explained to me and ALPS made the entire insurance buying process absolutely painless. I would highly recommend ALPS for any and all of your insurance needs.
Danielle Miller
Attorney in NV

Great experience purchasing professional liability insurance. I purchased professional liability insurance and general liability insurance. I was surprised by the quick turnaround and ease of the process. Thanks!
Chad Pemberton
Attorney in UT

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[H2] It's Easy to Start

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[H4] Start an Application
Answer the most common questions needed for business insurance and hear back from a dedicated law firm expert.

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[H4] Receive Your Custom Quote
Each law firm is unique. Get a quote tailored for you.

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[H4] Get Back to Doing What You Do Best
You got into this business to help people, so let us help you find the time to be a lawyer - not an insurance expert.

ALPS Business Insurance is not available in OR, LA, NY or the USVI

START A QUOTE

SCHEDULE A FREE CONSULTATION

[H2] Which Business Insurance Product Is Right For Your Law Firm?
[H4] Our simple quiz makes it easy for you to understand which business insurance you should consider.

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[H3] Save Time With Custom Recommendations

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[H3] Find The Best Insurance For Your Firm

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[H3] Stay Focused On Your Clients

[H2]

ALPS Business Insurance is not available in OR, LA, NY or the USVI

START A QUOTE

SCHEDULE A FREE CONSULTATION

[H2] Frequently Asked Questions About Business Insurance

[H4] What are the most common types of business insurance for lawyers?
Business Owner’s Policy (BOP): this is the broadest business insurance coverage available to law firms. It combines three major insurance coverages into one business policy:
General liability insurance protects against accidental bodily injury or property damage.
Commercial property insurance is similar to your personal homeowner’s policy, this coverage provides protection for damage to your building – owned or leased – and other business assets.
Business income insurance, or business interruption insurance, can protect your income if you are forced to stop operating for some time.
It is also highly customizable with specific law-firm-related endorsements available to you. A BOP generally satisfies requirements in leased spaces by a landlord or financed buildings by a bank.
Workers’ Compensation: this coverage is required in most states* and covers your employees for any work-related injuries or illness and related costs such as:
Payment for medical bills
Replacement for lost wages due to recovery
Ongoing care, like physical therapy
Workers’ comp can also protect your firm from costs. It includes liability insurance coverage against lawsuits from injured employees or their families.
If a solo firm or partnership has at least one employee (W2 or 1099), a firm should have this coverage in place.
*not available from a private insurer in WA, WY, OH, ND, USVI
General Liability Insurance: this coverage differs from your professional liability insurance, otherwise known as malpractice insurance. General liability insurance covers the common risks of running a business like a customer injury, customer property damage, and even advertising injury (claims of stolen ideas, invasion of privacy, libel, slander, and copyright infringement related to advertising). Many lease agreements require this minimum “slip and fall” coverage.
Commercial Auto Insurance: similar to personal auto insurance, this helps protect you and your employees on the road if the firm (entity) owns any business vehicles. This coverage may be required in your state.
Other commercial lines:  Some other common business insurance coverage available to you are:
Cyber Insurance
Employment Practices Liability (EPL) Insurance
Crime Insurance
Errors & Omissions (Professional liability)
Let us tailor coverage to your firm based on your specific needs to best provide you with one solution for protecting your firm.

[H4] Is business insurance required for law firms?
Some types of business insurance are required by law. Most states require workers' compensation insurance if a law firm has at least two total employees. Commercial auto insurance is required if a law firm owns any vehicles.
Most landlords require at least General Liability insurance in their leases. Banks will as well for any financed buildings and equipment. Some clients such as government agencies or corporate clients may also have specific limits or coverage requirements to engage with them as their counsel.
An attorney’s most important insurance is their professional liability insurance, however, it only protects a lawyer from errors and omissions of their professional services. Check state requirements and all contract language as it pertains to your firm.

[H4] Why do I need insurance for my law firm?
Law firms are businesses, and in addition to securing lawyers’ malpractice insurance, they also need to secure the right business insurance, also called commercial insurance. These other coverages provide important protection for the business part of your firm. Accident at your firm? You could face a lawsuit. What if an employee gets injured at work? We live in a litigious society and you need protection from workers’ claims.
The specific makeup of your firm determines your risks, which in turn determines which policies you need. Do you own your building? Do you lease it? Do you, or any employees, drive as part of their firm work? What about cyber protection? Is your firm protected if forced to shut down for some time due to a cyber breach? Working with an expert in law firm insurance can help you easily determine the best way to protect your firm.

[H4] Why is ALPS expanding its insurance offerings to include business insurance to lawyers?
At ALPS we know that attorneys want to feel confident their insurance partner understands the unique challenges faced by law firms. To do that, you need a complete insurance solution; a “one-stop shop” that makes it easy to protect your entire firm and not just your professional services.
The problem is that it is time-consuming and difficult to know what coverage is best for your firm. It can be even more challenging to know who to trust when making this decision. The business insurance world can be frustrating to navigate.
We believe it’s wrong that attorneys don’t have one place, one trusted source, you can turn to for all your business insurance needs. That’s why we have partnered with these carriers to deliver a complete line-up of law firm insurance solutions. ALPS only insures lawyers and as the carrier endorsed by more state bars than any other, we understand the needs of solo or small law firms better than anyone in the industry. It’s easy for you to get started. Just schedule a meeting and you can relax knowing that the entire business insurance process is tailored to your firm.

[H4] ALPS was traditionally only a direct carrier. What does this mean now that ALPS is offering these different types of insurance?
We’ve been specializing in legal malpractice insurance for over 30 years and are now using that knowledge and expertise to bring new solutions to law firms across the country.
It's that experience that allows us to craft a complete business insurance solution for lawyers. Our reputation in the industry speaks for itself. We can bring you partnerships and insurance solutions tailored to law firms through ALPS Insurance Agency. ALPS does not write any business insurance other than legal malpractice insurance, however, you can expect the same level of service you’ve come to know from us. ALPS continues to provide the easiest malpractice insurance in the industry as we partner with companies who understand lawyers and can customize for law firms too.

[H4] Choosing the right partner to protect your firm shouldn't have to be difficult. With ALPS, you can get some time back in your day to focus on why you got into this business in the first place - helping people.
[H4] ALPS is Law Firm Insurance Made Easy

SCHEDULE A FREE CONSULTATION

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[H1] LAWYERS' PROFESSIONAL LIABILITY INSURANCE
[H2] Get affordable firm protection quickly, and without a singlepiece of paper. 100% online. 100% easy.

APPLY NOW

SCHEDULE A CALL

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[H2] Professional Liability Insurance For Lawyers
[H3] Your Time Is Too Valuable To Waste On Confusing Applications When Choosing Your Insurance Provider

It can be frustrating to wade through all of the different insurance options to protect your firm.Partner with the only insurance company that makes it easy for you to relax and get back to work.

[H2] Save Time With Our Quick, Easy, and 100% Online Insurance Experience

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[H4] Go 100% Paperless
Ditch the printer and stop emailing forms back and forth. Apply, pay, and renew online. You can even file a claim online. Spend your valuable time with your clients, not on your malpractice insurance.

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[H4] Enjoy Stress-free Protection
With dedicated experts in legal malpractice insurance, ALPS makes it easy to get the information you need. However, if you want to speak with a live person, you can relax knowing we've got your back.

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[H4] Get Peace of Mind
It can be confusing to know what matters the most when choosing a legal malpractice insurance company. Gain the confidence that comes from clearly knowing how simple it is to protect your firm.

APPLY NOW

SCHEDULE A CALL

We get it. The price of your policy is important to you. Use the ALPS Lawyers' Professional Liability Insurance Price Calculator and get a range for your firm.
It's free. There's no obligation. Sounds like a win to us!
Do you ever wonder what goes into the cost of your insurance? Check out our resource, "The Top 5 Things That Impact the Cost of Your Insurance." Download your copy here.

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[H2] Don't just take our word for it, see what lawyers just like you are saying:

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[H2] It's Easy for ALPS to Protect Your Firm

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[H3] STEP 1
[H4] Provide a Complete Application

[IMG: Receive Your Custom Quote]

[H3] STEP 2
[H4] Receive Your Custom Quote

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[H3] STEP 3
[H4] Relax Knowing Your Firm is Covered

APPLY NOW

SCHEDULE A CALL

[H2] Are you a policyholder looking to start your online renewal?

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[H2] You've Got A Choice In Coverage
You deserve simple, straightforward protection. ALPS’ flagship product is our professional liability insurance for lawyers. It provides broad coverage and is fairly applied. You can count on our financial strength to back up our promise to our policyholders in the event of a claim.

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Policy Highlights Comparison
Full Policy Comparison Chart

[H2] ALPS Policy Highlights
Our three different policies offer options that meet you where you are as a firm. Check out the most commonly referenced policy features below:

[H4] Basic Policy

Designed for the first-time policyholder or a brand new law firm.

[H2] Accessible and affordable, lower limits option

Coverage for the most common professional services (including mediators, court-appointed family investigators and notary public)

[H5] Most Popular

[H4] Preferred Policy

Ideal for seasoned attorneys (from solo to 3 lawyers)

[H2] Most versatilepolicy option

Includes consent to settle
Claims expense allowance is outside the limit of liability
Provides supplementary payments for disciplinary proceedings
Annual deductible cap of twice the per-claim amount

[H4] Premier Policy

Great fit for a 4+ attorney firm with limits at $2M or higher

[H2] Most feature-rich policy option

Reduced deductible if engagement letter is used
Includes consent to settle
Claims expense allowance is outside the limit of liability
Provides supplementary payments for disciplinary proceedings, loss of earnings, subpoena assistance, and P.R. event
Annual deductible cap of twice the per-claim amount

[H2] Full ALPS Policy Comparison Chart
Check out the an in-depth comparison of policy features below:

ALPS Basic
ALPS Preferred ★
ALPS Premier

ALPS Basic
ALPS Preferred ★ Most Popular
ALPS Premier
Coverage Features
Free unlimited ALPS CLE for policyholders
✔
✔
✔
ALPS policyholders gain access to our entire catalog of on-demand CLE courses and live webinars—a value of over $1,000 depending on your state's requirements. For a list, visit our CLE-approved states.
All claims handled by licensed attorneys
✔
✔
✔
If a claim does arise, you want real, practical experience on your side. ALPS policyholders that have a claim made against them partner with one of our licensed claims attorneys - not an adjuster. With over 140+ years of combined experience in legal malpractice insurance, every single attorney has actual law practice experience as well. We know where you’re coming from as an attorney in private practice.
Scope of professional services covered
Includes mediators, court-appointed family investigators, notary public
Includes all services covered by the Basic Policy + title insurance agents, author/presenter of legal materials, lobbyists
Includes all services covered by Basic and Preferred Policies + expert witness
One of the key terms to understand in any LPL policy is Professional Services defined as work performed by a properly licensed attorney for and on behalf of the covered law firm. ALPS looks to broadly and clearly define the scope of covered services offered by an attorney. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Supplementary payments for disciplinary proceedings
✖
$25,000 per attorney, $75,000 in the aggregate
$50,000 per attorney, $150,000 in the aggregate
Included in our Preferred and Premier policies, ALPS provides any covered attorney a reimbursement allowance for attorney’s fees and expenses due to proceedings before a disciplinary board, agency or peer review committee. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Claims expense allowance outside the limit of liability
✖
50% of per claim limit (up to $500,000)
50% of per claim limit (up to $1,000,000)
This feature focuses on how your policy treats the cost of defending a malpractice claim, typically referred to as claims expenses. Many insurance providers’ standard policies place those expense costs within the limit of liability (commonly referred to as CEIL–Claims Expenses Inside the Limits). This means the limit of liability you purchase is the total amount available to you to both defend your claim and to pay out any losses. ALPS Preferred and Premier policies have a Claims Expense Allowance Outside your Limit (CEOL) to pay for claims expenses. CEOL protects your limit of liability from being eroded by the cost of your defense. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Insured's consent to settle required
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The Preferred and Premier policies do not have what the industry refers to as a Hammer Clause. What is a Hammer Clause? If your insurance company receives a settlement offer and you don’t want to settle, they will continue to defend your claim. That’s what you’d expect, right? The catch is that with a Hammer Clause the insurance company’s limit of liability under the policy to pay any loss or Damages becomes limited to the amount of the settlement offer that could have been accepted. Therefore, a Hammer Clause exposes you to any loss or Damages you become obligated to pay in excess of the amount of the settlement offer. That’s the hammer. The ALPS Preferred and ALPS Premier policies have a full consent to settle provision. That means that we will not settle a covered claim without your written consent. *Specific policy language does apply. Please review to ensure actual coverage is understood. While ALPS does not have a Hammer Clause in any policy form, a full consent to settle provision is not available in California.*
Reduced deductible for voluntary formal mediation
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Receive up to a 50% reduction (up to a maximum of $25,000) on your deductible due for a claim resolved voluntarily through formal mediation. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Annual deductible cap of twice the per claim amount
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In the Preferred and Premier policy forms, your maximum "out-of-pocket" deductible payments for any policy period, regardless of the number of covered claims, is capped at twice your "each claim" deductible. So if you carry a $10,000 deductible, you will not pay more than $20,000 for covered claims in a policy period. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Reduced deductible if engagement letter used
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Available only in our Premier Policy, receive up to a 50% reduction (up to a maximum of $25,000) on your deductible due for a claim where your client(s) signed an engagement letter. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Supplementary payments for loss of earnings
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$1000 per day (up to $50,000)
Enhanced only in our Premier Policy, ALPS additional reimbursements for loss of earnings for each full or partial day where ALPS requests in writing for an attorney to attend a trial, hearing or arbitration hearing. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Supplementary payments for subpoena assistance
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$50,000 per policy period
Enhanced only in our Premier Policy, ALPS additional reimbursements for assistance from ALPS appointed legal counsel if an attorney receives a subpoena to produce documents or testimony as a witness for their professional services. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
Supplementary payments for public relations event
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$40,000 per policy period
Enhanced only in our Premier Policy, ALPS additional reimbursements for up to $40,000 for a Public Relations event for covered events that could have a material adverse effect on the law firm. *Specific policy language does apply. Please review to ensure actual coverage is understood.*
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[H3] WANT TO BETTER UNDERSTAND PROFESSIONAL LIABILITY INSURANCE FOR LAWYERS?
Visit the ALPS Insurance Glossary.

GLOSSARY OF TERMS

[H2] What is the ALPS Difference?
We know you want to be recognized for the successful practice you’ve built. After all, you've built a law firm worth protecting. You deserve to partner with an attorneys' malpractice insurance provider that appreciates the value you bring to your clients. At ALPS, we understand lawyers and are experts in our field. All we do is provide insurance to private practice lawyers. In fact, our claims staff are licensed attorneys with actual practice experience. It’s also why we are endorsed by more State Bars than any other carrier. With ALPS, you’re not just buying a policy, you’re buying a promise.

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[H3] 1. ACCESS

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[H3] 2. EXPERIENCE

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[H3] 3. VOICE

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[H4] Learn more about ALPS 7-Point Premium Promise

[H2] Looking to download our application?
To help you save time and paper, our application, quote and ability to pay for your policy is available to you 100% online. However, if you prefer a paper application, please select your state (or US Territory) to download a fillable and printable version of our application forms.

[H4] To get the correct version of our application form(s), please select the state where your firm’s primary office is located:

[H2] What could it cost you if you don't carry the right lawyers' professional liability insurance?
The debate over mandatory professional liability insurance for lawyers continues across the country. There are some state courts that require attorneys to maintain professional liability coverage, some that require client disclosure if no coverage exists, and some that remain silent. Many clients are not aware that this is the case, and assume to their detriment that they will have access to compensation in the event a mistake is made. To the legal profession’s credit, most lawyers in private practice recognize malpractice litigation as an ever present threat and understand the benefits of maintaining malpractice insurance. If you're still on the fence about the importance of carrying lawyers' professional liability insurance or are not sure how much coverage you should purchase, here are some examples of the costs of not carrying the right insurance:

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[H4] Approximately 4-5% of lawyers practicing in the U.S. will face an allegation of malpractice in any given year.

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[H4] Claims can easily take 6 to 24 months to resolve.

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[H4] Defense costs on a claim can quickly break the $100,000 mark.

The bottom line is that purchasing legal malpractice insurance is the right thing to do. Missteps can and do occur on client matters for all kinds of reasons. If and when they do, impacted clients can be significantly harmed. The purchase of an appropriate level of malpractice coverage is the best way you can protect your clients and your firm should a serious misstep ever occur.

[H2] Frequently Asked Questions about ALPS Lawyers' Malpractice Insurance

[H4] What is lawyers' professional liability insurance?
At its core, insurance is designed to indemnify (or make whole) the policyholder for a covered event and requires the policyholder to report a claim to their insurance provider. The event from which a claim arises under a