Professional Liability Insurance Directory
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Hanover Professionals (formerly Professionals Direct)
www.hanoverprofessionals.com/hpro/lpli/findagent.htm
States Where the Carrier Writes:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist. Of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Do you write professional insurance for judges:
Yes
If yes, what types of coverage do you provide for judges:
Activies as judge or magistrate added to definition of professional services; no coverage under discipline defense.
# of Years Writing Legal Insurance:
22 Years
Restrictions:
None, but practice area impacts premium
Size Guidelines:
Writes firms 1-100 attorneys, majority of policy holders are from firms of fewer than 5 members
Highest Available Limits of Liability:
$5 Million/$5 Million for Prodirect Select (1-10 attorneys) firms; $10 million/$10 million for Prodirect Premier (11 + attorneys) firms
Deductible:
No minimum or maximum
Limits in Excess of Deductible:
Yes
Defense Costs Included in Limits:
Yes, but also offer claims expense outside of limits option.
Insured's Activities for Entity Not Covered by Policy:
Excludes any claim arising out of insured's activities or capacity as such.
Securities Exclusion:
No
Defense for Malicious Prosecution, Abuse of Process or Defamation:
Yes, malicious prosecution, defamation.
Prior Acts Coverage:
Yes, covered if insured had no knowledge of facts which could be reasonably expected to result in a claim and that no other insurance policy provides coverage for such claim. Prior acts coverage will mirror existing coverage if no coverage in force, policy will have a retroactive date equal to the policy effective date available by endorsement on Premier (11 + attorneys) policy.
Input Re: Selection of Counsel:
Available by endorsement on premier (11+ attorneys) policy.
Consent to Settle Provision:
Insured's consent required, but insured pays excess defense and indemnity if rejects settlement recommended by company and acceptable to claimant.
OPTIONS FOR SCOPE OF COVERAGE
Coverage Available for:
Partners Leaving: Yes
Employed Attorneys Leaving: Yes
Part-time Legal Work: Yes
Non-practicing Lawyers: No
Government: No
In-house: Yes
