Source: Carrier website and product data
GUARD Insurance: Law Firms Insurance Appetite
GUARD 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 |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Businessowner’s Policy (BOP) covers law firms operations with Property, General Liability
- Workers' comp for 5-50 employees with online quoting and pay-as-you-go billing
- GUARD Insurance offers legal malpractice insurance with broad prior acts coverage and consent-to-settle clause
- GUARD Insurance offers EPLI covering wrongful termination and discrimination claims from associates and staff
- 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
- 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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