Bad things can happen to a law firm that are not malpractice. If not addressed promptly could possibly end or damage the reputation of a firm or one of its attorneys. US Insurance Company Public Relations Coverage (Crisis Event Coverage) may help to address these issues. The actual coverage provided is in the Supplemental Coverages policy section. Notice of a Public Relations Incident shall be deemed a Notice of Potential Claim. Not all insurers provide a similar coverage.
II. SUPPLEMENTAL COVERAGES
(C) Public Relations
The Company shall reimburse an Insured, upon written request, up to USD25,000 per Public Relations Incident, subject to a maximum of USD50,000 in the aggregate under this Policy for reasonable and necessary Public Relations Expenses incurred by an Insured arising out of a Public Relations Incident provided always that the following conditions are satisfied:
(1) such Public Relations Incident happens during the Policy Period and is reported to the Company within three (3) calendar days of the Public Relations Incident; and
(2) such Public Relations Expenses are incurred within twelve (12) months of the date that an Insured reports the Public Relations Incident to the Company.
After the Company has paid USD50,000 in the aggregate under this provision, the Company shall not be obligated to pay any further Public Relations Expenses under this Policy.
Public Relations Definitions (Crisis Event Definitions):
(X) Public Relations Expenses
“Public Relations Expenses” shall mean reasonable fees, costs, and expenses incurred and paid by an Insured for services provided by a public relations firm to an Insured, to mitigate any actual or potential negative publicity arising out of any Public Relations Incident. “Public Relations Expenses” shall not include Claim Expenses.
(Y) Public Relations Incident
“Public Relations Incident” shall mean a situation that in the reasonable opinion of the Named Insured did cause or is reasonably likely to result in significant harm to the reputation of the Named Insured. “Public Relations Incident” shall not include a Privacy Breach.
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Lee Norcross, MBA, CPCU
Managing Director, CEO
(616) 940-1101 Ext. 7080