Business Insurance for Law Firms

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Law Firms Can Face Significant Risks

Law firms handle their client’s risks every day, but they may be the last to think about the risks to their own businesses. Lost or stolen personal data, lawsuits, and accidents can significantly impact a legal practice. Even so, people who manage risk at law firms can rest assured that The Hartford is there to help businesses reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Law Firms
Helps protect the property a law firm owns and leases, including computers, electronic equipment, furniture, and even fine art. Law practices can tailor their coverage from The Hartford to fit the specific needs of their law practice:
 
  • Many law firms have in-house libraries containing books and publications susceptible to fire, water or smoke damage. Business Personal Property provides coverage for law libraries and valuable papers.
  • When employees travel for work, lost or stolen business property including laptops may be covered.
  • Most law firms can work out of any office locale but the costs to equip the firm at a new or temporary location can add up quickly, as can the cost to research, replace or restore lost information on damaged valuable papers and records. Extra Expense coverage helps protect law firms from these costs.
  • The Hartford makes it easy for law firms to calculate their business income loss based on billable hours. This limits coverage to income that is irretrievably lost for services that could not be performed during the period of restoration rather than revenues, possibly earned prior to the loss, that were not received during this period.
General Liability Choice® from The Hartford covers bodily injury and property damage, including damage to rented properties, and accidents related to running a legal business, which can be customized by the firm to cover the firm’s exposures. If the law firm is in growth mode and acquires another company or adds a division, The Hartford’s policy includes an extended 180-day grace period to cover the change. Employees are automatically covered by the policy and it’s easy to add others as needed.
Through a unique partnership with Target Insurance Services1, The Hartford offers law firms the ability to customize coverage to help them protect against the high cost of a lawsuit arising from client allegations of misrepresentation, fraud, or negligence.
 
1Target Insurance Services, Inc. is not an affiliate of The Hartford.
Coverage not available in NJ, HI, OR & WY
Helps protect businesses from the risks associated with data privacy and network security, including hackers, malicious software, rogue employees and hardware theft. Popular coverages include:
 
  • Data Privacy Liability – helps protect a law firm if it is sued over a data breach or violation of a data privacy law.
  • Cyber Investigation Expense – helps cover the expenses for investigating a data loss or theft.
  • Notification Expense and Credit Monitoring Expense – helps covers the cost of notifying individuals impacted by a data loss or theft and offering them credit monitoring to watch for malicious activity.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
Helps law firms survive a significant liability claim that exceeds the limits of primary coverage.
Helps law firms reduce common merger and acquisition (M&A) risks.
Additional Solutions for Law Firms
The Hartford is a leading provider of Workers’ Compensation Insurance, which provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. If an employee is injured or sick, The Hartford helps return them to work as soon as reasonably possible or to other transitional work and may include training with new skills. This coverage even pays a long-term benefit if an employee can’t return to work. In the event that an employee dies due to a work-related accident, the policy pays an insurance benefit to the family. Our offerings:
 
  • The Hartford’s Team•WorkSM Return-to-Work program helps get injured employees back on the job as soon as medically appropriate.
  • Our Payroll Billing Option, XactPAY® offered at no extra cost, can help businesses more easily manage and monitor cash flow related to their workers’ comp payments. It features premium payments based on actual payroll and timed to the company’s payroll schedule.
Helps cover the vehicles that a law firm owns, leases, rents or borrows. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles. Lease and loan gap coverage is available as well. The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
The Hartford’s innovative Risk Engineering team strives to help law firms run safer and ultimately more profitably with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security.
 

For Smaller Firms

Smaller law firms typically require specialized insurance coverage.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.