PreferredVerified Q1 2026
Source: Carrier website and product data
Auto-Owners Insurance: Law Firms Insurance Appetite
Auto-Owners Insurance explicitly targets professional services (consultants, tax preparers, etc.) as a focus segment. 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 |
| Professional Liability (E&O) |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
26 states (Midwest, Southeast, Mid-Atlantic)
Key Features
- Contractor Insurance covers law firms operations with Package Discount, Waiver of Subrogation (at no additional cost), Contractors Errors & Omissions
- Workers' comp for 5-50 employees with experience mod-based pricing
- Auto-Owners Insurance offers legal malpractice insurance with broad prior acts coverage and consent-to-settle clause
- Auto-Owners Insurance offers EPLI covering wrongful termination and discrimination claims from associates and staff
Limitations
- Cyber liability not available – consider a standalone cyber market for law firms data exposure
- 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
$3,000-$25,000
TravelersPreferred
$3,400-$30,000
CNAPreferred
$3,400-$30,000
HiscoxPreferred
$3,400-$30,000
NEXT InsurancePreferred
$3,000-$25,000
The HartfordStandard
$3,400-$30,000
EMPLOYERSStandard
$1,200-$7,500
AcuityStandard
$3,000-$25,000
Erie InsurancePreferred
$3,000-$25,000
biBERKPreferred
$3,000-$25,000
AmTrust FinancialPreferred
$3,000-$25,000
BTISStandard
$3,000-$25,000
Pie InsuranceStandard
$1,200-$7,500
NationwidePreferred
$3,400-$30,000
Liberty MutualPreferred
$3,400-$30,000
ChubbPreferred
$4,200-$37,500
Cincinnati FinancialStandard
$3,400-$30,000
The HanoverPreferred
$3,400-$30,000
GUARD InsurancePreferred
$3,000-$25,000
MarkelPreferred
$3,400-$30,000
Coterie InsurancePreferred
$3,000-$25,000
Selective InsurancePreferred
$3,400-$30,000
Kinsale CapitalLimited
$4,400-$30,000
InsureonStandard
$3,000-$25,000