StandardVerified Q1 2026
Source: Carrier website and product data
Acuity: Law Firms Insurance Appetite
Acuity writes law firms at standard terms for clean accounts. Practice area is the single biggest premium driver – personal injury and real estate closing firms pay significantly more than corporate/transactional practices
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Cyber Liability |
| Employment Practices Liability |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
29 states (Midwest and select Eastern states)
Key Features
- Bis-Pak® covers law firms operations with Business Income, Seasonal variations in contents, Computer coverage
- Cyber Suite adds data breach response, notification costs, and regulatory defense coverage
- Workers' comp for 5-50 employees with online quoting and pay-as-you-go billing
- Acuity provides legal malpractice insurance with broad prior acts coverage and consent-to-settle clause
- Online quoting available – agents can get law firms quotes without calling underwriting
Limitations
- No professional liability (E&O) available – must be placed with a specialty carrier
- Patent prosecution and IP litigation practices face restricted markets – many standard carriers decline or surcharge
- Solo practitioners with personal injury contingency practices may face higher minimums or separate rating
Compare Other Carriers for Law Firms
Progressive CommercialPreferred
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TravelersPreferred
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CNAPreferred
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HiscoxPreferred
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NEXT InsurancePreferred
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The HartfordStandard
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EMPLOYERSStandard
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Erie InsurancePreferred
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biBERKPreferred
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AmTrust FinancialPreferred
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BTISStandard
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Pie InsuranceStandard
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NationwidePreferred
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Liberty MutualPreferred
$3,400-$30,000
ChubbPreferred
$4,200-$37,500
Cincinnati FinancialStandard
$3,400-$30,000
The HanoverPreferred
$3,400-$30,000
Auto-Owners InsurancePreferred
$3,000-$25,000
GUARD InsurancePreferred
$3,000-$25,000
MarkelPreferred
$3,400-$30,000
Coterie InsurancePreferred
$3,000-$25,000
Selective InsurancePreferred
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Kinsale CapitalLimited
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InsureonStandard
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