The Attorney Risk Management Solutions program
Law firms today navigate a complex landscape of risks. Shifting client expectations create a demand for more transparency. Increasing regulatory pressures require a maintained focus on meticulous compliance. New tools need to be integrated for firms to remain competitive, while also safeguarding against cyber threats.
华体会 partners with Brown & Brown to offer Attorney Risk Management Solutions (ARMS) - a lawyers professional liability program designed to meet the needs of a wide range of law firms. Underwritten by Brown & Brown, ARMS offers robust coverage along with experienced risk management and expert claims services. ARMS can help you provide unmatched protection and value for the legal firms you serve.
This program will be the exclusive LPL new business offering for clients located in New Jersey and the New England states (CT, MA, ME, NH, RI, VT) starting in November 2024.
ARMS offers specialized protection for independent attorneys and firms with a maximum of 35 attorneys. The broad practice appetite includes:
Preferred appetite
Preferred appetite
- Bankruptcy
- Civil/commercial litigation - defense
- Criminal defense representation
- Estate administration/probate
- Family law
- Immigration law
- Labor - management representation
- Local/municipal government
- Mediation and arbitration (other than securities/FINRA)
- Real estate - residential
- Schools/education (no finance)
- Social Security/disability/Medicare
- Taxation - individual
- Workers鈥� compensation
Limited appetite
Limited appetite
- Appellate
- Banking/financial institutions
- Civil/commercial litigation - plaintiff
- Civil rights/discrimination
- Commercial law/business transactions
- Construction
- Corporate formation
- Employee benefit plans, ERISA
- Environmental regulation
- Estate litigation
- Estate planning/wills
- Insurance defense
- Personal injury defense
- Plaintiff personal injury (automobile, slip and fall, dog bite)
- Real estate - commercial
- Taxation - corporate
Restricted appetite
Restricted appetite
- Admiralty/marine
- Class action and mass tort
- Collections
- Entertainment law
- Intellectual property - copyright/trademark, patent
- International/foreign law
- Labor - union representation
- Mergers and acquisitions
- Oil, gas and mineral rights
- Plaintiff litigation (medical malpractice, wrongful death, product liability)
- Real estate 鈥� foreclosure
- Securities
- Tax opinions
- Tribal law
- Water rights
ARMS was designed by professional liability insurance experts with decades of experience working with attorneys and law firms.
Key coverage and policy features
- Broad definition of professional services
- Coverage for professional services provided on behalf of the insured entity, named insured, predecessor firm or nonprofit entity
- Social engineering coverage for eligible firms
- Nonprofit directors and officers expense supplemental coverage
- 50% deductible reduction for early mediation or claims free
- Privacy and security liability coverage related to mishandling client鈥檚 personal information, including actions of a rogue employee and violations of customer notification laws
- Pre-claim assistance supplemental coverage
- Disciplinary proceedings supplemental coverage
- Subpoena assistance supplemental coverage
- Crisis event supplemental coverage
- Loss of earnings
- Withheld client fee assistance
- Discrimination defense
- Coverage for remote notarization services included where allowed by law
- Punitive damages where allowed by law
- No hammer clause
Additional coverage options
- Specific client limit endorsement provides the ability to increase the limit of insurance for a specific client
- Career coverage endorsement broadens the definition of services to include work performed by the named insured at prior firms
- Professional liability enhancement endorsement includes nine supplemental coverages:
- Canceled conferences
- Counseling support
- Emergency web hosting
- Pet boarding
- Real estate emergency consulting
- Replacement of key officers
- Temporary meeting space
- Travel disruption due to terrorism
- Workplace violence counseling
华体会 offers tools, resources and training to ARMS program policyholders aimed at helping clients mitigate risk, including:
- Dedicated risk managers 鈥� Our team of experienced, in-house risk management experts provides firsthand knowledge of specific risks facing lawyers for relevant and actionable risk management strategies.
- Risk management hotline 鈥� Staffed by lawyers and claim professionals, the hotline is a resource for discussing problems and questions that can arise about best practices and potential claims. The goal is to provide help to best manage the issue at hand, minimize any potential damage and hopefully avoid a claim or suit.
- Risk management portal 鈥� includes access to industry related articles, sample engagement letters and contracts, on-demand training and more.
- Discount programs 鈥� We partner with nationally recognized companies to offer both free and discounted services including discounted background checks and employment screening services, emergency response training and more.
Our dedicated claims team has a combined 40+ years of industry expertise and experience within the areas of professional negligence, injury-related cases and property damage. You can count on us to handle even the most complex of claims, ensuring proactive communication throughout the claim and fair resolution. Here鈥檚 what you and your clients can expect:
- Support of in-house staff counsel 鈥� Countrywide access to experienced in-house attorneys with experience in professional liability claims
- Dedicated claim assignment 鈥� Partnering an insured with a specific handler to build the customer relationship and streamline outcomes
- Coordinated approach 鈥� Our in-house litigators, defense counsel and extended network of law firms work together with the goal of resolving claims quickly and equitably
- Expertise of outside counsel 鈥� Access to more than 225 firms in our outside counsel network with more than 57 designated for complex professional liability claims
- Unified risk strategy 鈥� Our claims team works closely with risk management and underwriting to proactively identify risks and help prevent future claims
- End-to-end file management 鈥� Avoids file transfers between teams as a case evolves
- Quick turnaround on payments 鈥� Removing a potential pain point for clients and allowing quick resolution for claims
ARMS offers specialized protection for independent attorneys and firms with a maximum of 35 attorneys. The broad practice appetite includes:
Preferred appetite
Preferred appetite
- Bankruptcy
- Civil/commercial litigation - defense
- Criminal defense representation
- Estate administration/probate
- Family law
- Immigration law
- Labor - management representation
- Local/municipal government
- Mediation and arbitration (other than securities/FINRA)
- Real estate - residential
- Schools/education (no finance)
- Social Security/disability/Medicare
- Taxation - individual
- Workers鈥� compensation
Limited appetite
Limited appetite
- Appellate
- Banking/financial institutions
- Civil/commercial litigation - plaintiff
- Civil rights/discrimination
- Commercial law/business transactions
- Construction
- Corporate formation
- Employee benefit plans, ERISA
- Environmental regulation
- Estate litigation
- Estate planning/wills
- Insurance defense
- Personal injury defense
- Plaintiff personal injury (automobile, slip and fall, dog bite)
- Real estate - commercial
- Taxation - corporate
Restricted appetite
Restricted appetite
- Admiralty/marine
- Class action and mass tort
- Collections
- Entertainment law
- Intellectual property - copyright/trademark, patent
- International/foreign law
- Labor - union representation
- Mergers and acquisitions
- Oil, gas and mineral rights
- Plaintiff litigation (medical malpractice, wrongful death, product liability)
- Real estate 鈥� foreclosure
- Securities
- Tax opinions
- Tribal law
- Water rights
Product resources
Risk management resources
Resources for lawyers are available on the Hanover ProRisk website.
Contact Brown & Brown
ARMS is available exclusively through Brown & Brown. To learn more or submit business, contact:
Justin Kesner
President, LPL, Director, Brown & Brown
[email protected]
Direct: 617-769-5339
Office: 617-471-1220