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
$3,000-$25,000
$3,400-$30,000
$3,400-$30,000
$3,400-$30,000
$3,000-$25,000
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$3,000-$25,000
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