NYS Bar Association Program

Membership Credits:

  • A 5% Bar Association membership credit. This 5% credit will be applied to your Lawyers’ Professional Liability Policy premium for membership in the New York State Bar Association, on a per-attorney basis.
  • A 7.5% risk control credit per attorney for two years after completing a qualifying CNA risk management seminar.

Limits of Legal Liability:

  • Range from a minimum of $100,000 per claim/$300,000 aggregate up to a maximum of $10M/$10M.
  • Claim expenses outside limits coverage are available, subject to underwriting.

What is Covered:

  • Professional fiduciary, trustee services ordinarily performed by a lawyer
  • Arbitration, mediation, notary public and title agent services ordinarily performed by a lawyer
  • Defense for personal injury claims arising out of your legal services
  • Full Prior Acts available for qualifying attorneys

Who is Covered:

  • Attorneys in your New York law firm, including new hires who join your firm mid-term
  •  Of-counsel attorneys or those acting on a contractual basis for work done on behalf of your firm
  • Employees of your firm, including paralegals and investigators for work done on behalf of your firm
  • Attorneys and staff of predecessor firms while acting on behalf of your firm
  • Retired and disabled attorneys of your firm
  • Former attorneys, for work done on behalf of your firm

Lateral Hire Coverage:

Attorneys who join your firm will be covered for their prior acts, provided (1) they meet the terms and conditions of the policy and are subject to underwriting approval; and (2) have maintained continuous claims-made coverage while in practice. (This coverage may be excluded from the policy upon your law firm’s written request.)

Special Benefits for Sole Practitioners:

  • Part-time Program specifically designed if you work on average less than 26 hours per week in your own practice
  • Extended Reporting Period provides you or your estate with extended protection—free of charge—in the event of total disability or death
  • Retiree Benefit provides an Unlimited Extended Reporting Period, free of charge, provided you have had continuous coverage under the USI Affinity’s Lawyers’ Complete Program

Professional Liability Insurance Program, as follows:

  • If you retire at 55: you need to have been insured for at least 7 years.
  • If you retire at 56: you need to have been insured for at least 6 years.
  • If you retire at 57: you need to have been insured for at least 5 years.
  • New Attorney Discount may be available if you opened your own solo firm within one year of graduating from law school—a 30% discount in your first year; a 20% discount in your second year; and a 10% discount in your third year.