Tail coverage typically costs 150%–300% of your final annual premium, paid once. The math by firm size, what moves the multiple, and how to earn a free tail.

Report it now, fix nothing, admit nothing. What a claims-made policy requires in the first days of a malpractice claim — and the mistakes that void coverage.

New York doesn’t require attorneys to carry malpractice insurance or disclose that they don’t. What the rules actually say, the narrow exception, and why the market mandates what Albany doesn’t.

California doesn’t mandate malpractice insurance — but uninsured lawyers must disclose it to clients in writing under Rule 1.4.2, and skipping the disclosure can void your fee agreement.

Two quotes with the same premium can offer very different protection. The seven lines that matter — limits, defense costs, retro date, deductible, exclusions, consent, tail terms.

A breach isn’t a malpractice claim — and malpractice policies aren’t built to pay for one. What LPL covers, what cyber covers, and why law firms need both, coordinated.