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L Squared Insurance Agency Blog: policy exclusions

View the latest blog posts from L Squared Insurance Agency.

We have Law Firms that hire a suspended attorney, one that was recently suspended, or had other disciplinary actions.  While it is the firm’s prerogative to hire anyone they want, they should know about the disciplinary actions prior to making an offer. READ MORE >>

PF Chang v Federal is a great case to discuss limitations in Business Owners Insurance (BOP)/Commercial General Liability (CGL) and Cyber Liability.  This case goes to the heart of making sure that your insurance coverages for malpractice insurance, BOP/CGL and Cyber Liability properly cover the firm’s exposures. READ MORE >>

You cannot know what is covered until you know what is not covered.  Attorney professional liability insurance policies are not standard, so making the assumption that every Attorney Malpractice Insurance policy is the same; as the saying goes will make an “Ass out of you”. READ MORE >>

Attorney malpractice policies are not standardized.  There is no ISO attorney malpractice policy form.  Some law firms attempt to address the policy coverage differences by having an agent do a side by side policy comparison. READ MORE >>

Travelers Insurance wrote the general Liability insurance policy (CGL) and Chubb wrote the Cyber coverage for PF Chang.  Chang had a data breach where 60,000 credit card numbers were stolen.  It promptly filed claims with Travelers & Chubb for coverage. READ MORE >>

As with any insurance policy, you first see what is covered, the next thing you need to look for is what is not covered.  Attorney professional liability insurance policies are not standard, so making the assumption that every Attorney Malpractice Insurance policy is the same; as the saying goes will make an “Ass out of You”. READ MORE >>

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