Program Highlights

Our policy is sold via your law firm and the policy form is broader and includes more coverage than those of our competitors. For example, here are some highlights:

• Defense costs are in addition to the limit of liability.
  
• A broader definition of who is an insured under the policy.
  
• No individual applications – only a law-firm summary application.
  
• Domestic partner coverage included.
  
• Automatic coverage for 30 days on a drop-down basis for non-owned autos, watercraft & recreational vehicles.
  
• Higher cut-off for automatic coverage for Home-Based businesses - Up to $25K in gross annual receipts versus $10K for our competitors.
  
• $1M of Uninsured/Underinsured Motorists Coverage standard in every policy.
  
• Youthful drivers covered at no additional charge.
  
• Coverage included for serving as a Director or Officer of any not for profit organization, including Condominium, Cooperative or Homeowners Associations.
  
• Second homes are covered at no additional charge.
  
• Unlike the competition, we offer coverage limits of $1M through $10M.
• And, finally, we include up to $25K of Excess Identity Theft coverage as well.