Insurance & risk management resources for law firms.
Plain-English answers from people who have spent decades in legal professional liability — the questions firms actually ask, before they become claims.
Browse by topic: Malpractice Insurance · Law Firm Operations · Employee Benefits
EPLI for Law Firms: The Claim Your Malpractice Policy Was Never Built For
Your malpractice policy covers claims by clients — not claims by employees. What EPLI covers at a law firm, when the exposure…
Read more →Your Firm’s Insurance Broker Just Got Acquired. Now What?
192 agencies were acquired in the first half of 2026 alone. What broker consolidation means for your firm's coverage — and the…
Read more →How to Choose a Legal Malpractice Insurance Provider: National Carriers, State Programs, and Specialist Brokers Compared
National carriers, bar-sponsored programs, direct writers, and specialist brokers all sell lawyers professional liability — but they serve different firms. How to…
Read more →How Much Does Tail Coverage Cost? The Multiple, the Math, and the Free One
Tail coverage typically costs 150%–300% of your final annual premium, paid once. The math by firm size, what moves the multiple, and…
Read more →A Malpractice Claim Just Arrived: What the First Two Weeks Decide
Report it now, fix nothing, admit nothing. What a claims-made policy requires in the first days of a malpractice claim — and…
Read more →Does New York Require Lawyers to Carry Malpractice Insurance? The 2026 Answer
New York doesn't require attorneys to carry malpractice insurance or disclose that they don't. What the rules actually say, the narrow exception,…
Read more →Does California Require Lawyers to Carry Malpractice Insurance? The 2026 Answer
California doesn't mandate malpractice insurance — but uninsured lawyers must disclose it to clients in writing under Rule 1.4.2, and skipping the…
Read more →How to Actually Read a Quote: Comparing Malpractice Policies Line by Line
Two quotes with the same premium can offer very different protection. The seven lines that matter — limits, defense costs, retro date,…
Read more →Cyber Liability for Law Firms: Why Your LPL Policy Probably Doesn’t Cover a Breach
A breach isn't a malpractice claim — and malpractice policies aren't built to pay for one. What LPL covers, what cyber covers,…
Read more →Your First Employee: Payroll, Workers’ Comp, and the Benefits Question
The week you hire, you become an employer — payroll, the Texas workers' comp decision, EPLI exposure, and the benefits question. The…
Read more →LLP, PLLC, or PC — What Your Entity Choice Does (and Doesn’t Do) to Your Insurance
No entity shields you from your own malpractice. What Texas firm structures actually protect, the repealed LLP insurance rule people still cite,…
Read more →Starting a Law Firm in Texas: The Operational Checklist Nobody Hands You
Entity, trust account, insurance, payroll, systems — the operational to-do list for opening a Texas firm, in order, with the traps that…
Read more →Solo to Five Attorneys: What Changes in Your Insurance and Benefits at Each Headcount
Every hire changes your firm's risk and obligations — payroll, workers' comp, EPLI, benefits, limits. A headcount-by-headcount map from solo to five…
Read more →Prior Acts Coverage and the Retroactive Date — the Clause Most Lawyers Misread
Your retroactive date decides whether past work is covered at all. How prior acts coverage works, what resets it, and the questions…
Read more →$18,500 Per Employee: What Health Coverage Really Costs a Small Law Firm in 2026
Employer health costs are projected to pass $18,500 per employee in 2026 — the steepest rise in 15 years. What that means…
Read more →The Law Firm Back Office: Everything a Small Firm Runs That Isn’t Practicing Law
Accounting, payroll, HR, IT, benefits, insurance — the complete inventory of what a small law firm runs besides law, what cobbling it…
Read more →Tail Coverage Explained: What Happens to Your Policy When You Retire, Merge, or Leave
What tail coverage actually does, what it costs, when you genuinely need it — and the common situation where lawyers buy it…
Read more →How Much Does Legal Malpractice Insurance Cost?
What lawyers actually pay for malpractice insurance in 2026 — typical premiums by firm size, the five factors that move the number,…
Read more →What Legal Malpractice Coverage Actually Costs a Texas Firm — and the Five Factors That Move the Number
What Texas law firms actually pay for malpractice coverage — solo and small-firm ranges, the five factors that move Texas premiums, and…
Read more →Does Texas Require Lawyers to Carry Malpractice Insurance? The Complete 2026 Answer
No — Texas doesn't require attorneys to carry malpractice insurance or disclose that they don't. Here's what the law actually says, and…
Read more →Claims Made vs. Occurence with Professional Liability Insurance
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