Source: Carrier website and product data
The Hartford: Law Firms Insurance Appetite
The Hartford writes law firms at standard terms for clean accounts. 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 |
Premium Range
$3,400-$30,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Spectrum® Business Owner's Policy covers law firms operations with General Liability, Commercial Property, Business Income Insurance
- Cyber Insurance 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
- The Hartford provides 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
- 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
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