Program Highlights

	Annual Aggregate Loss Only Deductible Option
	Defense Costs outside the Limits of Liability
	Automatic 90 day coverage for Successor Firms
	Independent contractors included in the definition of Insured
	Broad definition of Professional Services to include services rendered in a lawyer-client relationship although such services could be performed by non-lawyers
	Up to $5,000 payable for Rule 11 awards in a policy period and the deductible is waived
	Broad definition of Predecessor Firm
	Prior Firm coverage available
	Defense for suits seeking punitive damages as long as the claim for punitive damages also seeks compensatory damages
	Flexible Extended Reporting Period (tail) options of 12, 24, 36, 48,60 months or UNLIMITED
	A free, unlimited retirement tail for solo practitioners insured for three years
	Innocent insured protection for claims excluded because of prior awareness
	Clarified policy provisions for improved readability and intent

Subject to state insurance department approvals.

Refer to the actual policy wording for a complete description of all policy terms and conditions. The determination of coverage at the time a claim is made is dependent upon the actual policy wording and the nature of the claim presented.