Source: Carrier website and product data
Cincinnati Financial: Law Firms Insurance Appetite
Cincinnati Financial writes law firms at standard terms for clean accounts. Cincinnati Financial's underwriting targets well-established law firms businesses with strong financials and clean loss history. Premium reflects broader coverage and higher carrier financial strength. 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) |
| Cyber Liability |
| Employment Practices Liability |
Premium Range
$3,400-$30,000
Typical annual premium
Target States
44 states
Key Features
- Three-Year Commercial Package Policy covers law firms operations with Rate lock for 3 years
- Cincinnati Data Defender adds data breach response, notification costs, and regulatory defense coverage
- Workers' comp for 5-50 employees with experience mod-based pricing
- Cincinnati Financial provides legal malpractice insurance with broad prior acts coverage and consent-to-settle clause
Limitations
- 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
- Prior acts gap is not covered if the firm switches carriers without purchasing tail coverage or nose coverage
Compare Other Carriers for Law Firms
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$3,000-$25,000
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