Garland, Samuel, and Loeb were sued by another law firm located in another state because Garland had accepted referrals from the other firm without providing any payment for them. Garland turned to American Casualty for coverage under its professional policy and the claim was declined. Garland won their case against that other firm, but would they win their coverage claim against American?

Click here to see how the court ruled.

The insuring agreement explains the coverage being provided. However, the insuring agreement can only be understood after two key terms - "professional services" and "wrongful act" are defined. So, just as you would in a mystery novel, turn to the end of the policy in order to discover the solution of what is actually being covered. As a tip in comparing policies, this is often where significant differences between coverage forms can be found.

Click here to read the pertinent parts of PF&M analysis of the ISO Lawyers Professional Liability Coverage.

Lawyers professional coverage for your particular client may not be available from the companies with which you have a contract. However, many companies write this coverage and have the knowledge and expertise to help you in finding the best market for your client.

Click here to review the Lawyers Professional Liability in The Insurance Marketplace for the state of Indiana that lists brokers who are active in the lawyer's professional market and can provide both coverage and advice.

Are you interested in writing lawyers? The key to their accounts is often professional liability coverage. Using that coverage as the centerpiece, it may be possible to write all of their other coverages including personal lines and benefits.

Click here for the wording you could use for an initial contact letter or email.