Source: Carrier website and product data
Erie Insurance: Law Firms Insurance Appetite
Erie Insurance explicitly targets professional offices 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 |
| Cyber Liability |
| Employment Practices Liability |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
12 states: DC, IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI
Key Features
- ErieSecure Business® covers law firms operations with Guaranteed Replacement Cost (optional), Sewer or Drain Backup, Data Breach Response Expenses (add-on)
- ErieSecure Business® 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
- Erie Insurance offers 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
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