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For a solo attorney, once the attorney is suspended from the practice of law, the Lawyers Professional Liability Insurance carriers will not renew insurance coverage.  Other than the suspension itself as an underwriting reason, the attorney malpractice insurance policy covers the work of a licensed attorney.  It a matter of public policy that insurance carriers cannot write insurance coverage where there is no exposure.  As the suspended attorney cannot practice law, the policy will not provide any coverage for acts done by the attorney while suspended.

With a lawyers professional liability insurance policy being a claims made policy, this leads to the question about how to cover past acts.  The Claims Made Policy form generally gives to the insured the right to purchase an Extended Reporting Period Endorsement (ERP/Tail).  This would provide that coverage for past acts.  Problem is that most attorney malpractice policies take away that right with an exclusion for attorneys that have been suspended from practice.  If this is the case, only alternative for the suspended solo attorney is to make sure they report any issues that they suspect might arise to a claim prior to the termination of coverage.  This may or may not provide some level of coverage.  It would depend on whether the report of the incident meets the policy language requirement for reporting a claim.

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