Source: Carrier website and product data
BTIS: Law Firms Insurance Appetite
BTIS writes law firms at standard terms for clean accounts. As an MGA, BTIS can access multiple carrier panels — helpful when the law firms account has unusual exposures that standard markets decline. 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 |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
Most states (varies by carrier)
Key Features
- Best Choice Contractor General Liability covers law firms operations with Blanket Additional Insured (WOS & Primary/Non-Contributory)
- Workers' comp for 5-50 employees with experience mod-based pricing
- BTIS provides legal malpractice insurance with broad prior acts coverage and consent-to-settle clause
- BTIS provides EPLI covering wrongful termination and discrimination claims from associates and staff
Limitations
- No professional liability (E&O) available — must be placed with a specialty carrier
- 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
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