The thought of having a claim made against you is daunting. Don't risk your future with just any insurance provider.
You deserve the freedom that comes from knowing you have a partner that understands what it takes to be successful.
Ditch the printer and stop emailing forms back and forth. Apply, pay, and renew online. You can even file a claim online. Spend your valuable time with your clients, not on your malpractice insurance.
With dedicated experts in legal malpractice insurance, ALPS makes it easy to get the information you need. However, if you want to speak with a live person, you can relax knowing we've got your back.
It can be confusing to know what matters the most when choosing a legal malpractice insurance company. Gain the confidence that comes from clearly knowing how simple it is to protect your firm.
We get it. The price of your policy is important to you. Use the ALPS Lawyers' Professional Liability Insurance Price Calculator and get a range for your firm.
It's free. There's no obligation. Sounds like a win to us!
Do you ever wonder what goes into the cost of your insurance? Check out our resource, "The Top 5 Things That Impact the Cost of Your Insurance." Download your copy here.
You deserve simple, straightforward protection. ALPS’ flagship product is our professional liability insurance for lawyers. It provides broad coverage and is fairly applied. You can count on our financial strength to back up our promise to our policyholders in the event of a claim.
Our three different policies offer options that meet you where you are as a firm. Check out the most commonly referenced policy features below:
Designed for the first-time policyholder or a brand new law firm.
Ideal for seasoned attorneys
(from solo to 3 lawyers)
Great fit for a 4+ attorney firm
with limits at $2M or higher
Check out the an in-depth comparison of policy features below:
| ALPS Basic | ALPS Preferred | ALPS Premier | |
|---|---|---|---|
| Coverage Features | |||
| All claims handled by licensed attorneys | ✔ | ✔ | ✔ |
| If a claim does arise, you want real, practical experience on your side. ALPS policyholders that have a claim made against them partner with one of our licensed claims attorneys - not an adjuster. With over 140+ years of combined experience in legal malpractice insurance, every single attorney has actual law practice experience as well. We know where you’re coming from as an attorney in private practice. | |||
| Supplementary payments for disciplinary proceedings | $5000 | $25,000 per attorney, $75,000 in the aggregate | $50,000 per attorney, $150,000 in the aggregate |
| Included in all three of our policies, ALPS provides any covered attorney a reimbursement allowance for attorney’s fees and expenses due to proceedings before a disciplinary board, agency or peer review committee. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Scope of professional services covered | Includes mediators, court-appointed family investigators, notary public | Expanded to include title insurance agents, author/presenter of legal materials, lobbyists | Expanded further to include expert witness |
| One of the key terms to understand in any LPL policy is Professional Services defined as work performed by a properly licensed attorney for and on behalf of the covered law firm. ALPS looks to broadly and clearly define the scope of covered services offered by an attorney. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Professional services to related organization covered | Must own 5% or less | Must own 10% or less | Must own 15% or less |
| According to many leading lawyers’ malpractice insurance experts, conflicts of interest continue to be among the most common alleged legal malpractice errors. ALPS excludes any legal work done in connection with any organization in which an insured attorney was also an owner. This ownership limitation does not apply if ownership level is no more than the specific policy percentage in your selected policy. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Claims expense allowance outside the limit of liability | 50% of per claim limit (up to $500,000) | 50% of per claim limit (up to $1,000,000) | |
| This feature focuses on how your policy treats the cost of defending a malpractice claim, typically referred to as claims expenses. Many insurance providers’ standard policies place those expense costs within the limit of liability (commonly referred to as CEIL–Claims Expenses Inside the Limits). This means the limit of liability you purchase is the total amount available to you to both defend your claim and to pay out any losses. ALPS Preferred and Premier policies have a Claims Expense Allowance Outside your Limit (CEOL) to pay for claims expenses. CEOL protects your limit of liability from being eroded by the cost of your defense. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Insured's consent to settle required | ✔ | ✔ | |
| None of ALPS’ three new policies have what the industry refers to as a Hammer Clause. What is a Hammer Clause? If your insurance company receives a settlement offer and you don’t want to settle, they will continue to defend your claim. That’s what you’d expect, right? The catch is that with a Hammer Clause the insurance company’s limit of liability under the policy to pay any loss or Damages becomes limited to the amount of the settlement offer that could have been accepted. Therefore, a Hammer Clause exposes you to any loss or Damages you become obligated to pay in excess of the amount of the settlement offer. That’s the hammer. The ALPS Preferred and ALPS Premier policies have a full consent to settle provision. That means that we will not settle a covered claim without your written consent. *Specific policy language does apply. Please review to ensure actual coverage is understood. While ALPS does not have a Hammer Clause in any policy form, a full consent to settle provision is not available in California.* | |||
| Reduced deductible for voluntary formal mediation | ✔ | ✔ | |
| Receive up to a 50% reduction (up to a maximum of $25,000) on your deductible due for a claim resolved voluntarily through formal mediation. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Annual deductible cap of twice the per claim amount | ✔ | ✔ | |
| In the Preferred and Premier policy forms, your maximum "out-of-pocket" deductible payments for any policy period, regardless of the number of covered claims, is capped at twice your "each claim" deductible. So if you carry a $10,000 deductible, you will not pay more than $20,000 for covered claims in a policy period. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Reduced deductible if engagement letter used | ✔ | ||
| Available only in our Premier Policy, receive up to a 50% reduction (up to a maximum of $25,000) on your deductible due for a claim where your client(s) signed an engagement letter. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Supplementary payments for loss of earnings | ✔ | ||
| Enhanced only in our Premier Policy, ALPS additional reimbursements for loss of earnings for each full or partial day where ALPS requests in writing for an attorney to attend a trial, hearing or arbitration hearing. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Supplementary payments for subpoena assistance | ✔ | ||
| Enhanced only in our Premier Policy, ALPS additional reimbursements for assistance from ALPS appointed legal counsel if an attorney receives a subpoena to produce documents or testimony as a witness for their professional services. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
| Supplementary payments for public relations event | ✔ | ||
| Enhanced only in our Premier Policy, ALPS additional reimbursements for up to $40,000 for a Public Relations event for covered events that could have a material adverse effect on the law firm. *Specific policy language does apply. Please review to ensure actual coverage is understood.* | |||
Visit the ALPS Insurance Glossary.
We know you want to be recognized for the successful practice you’ve built. After all, you've built a law firm worth protecting. You deserve to partner with an attorneys' malpractice insurance provider that appreciates the value you bring to your clients. At ALPS, we understand lawyers and are experts in our field. All we do is provide insurance to private practice lawyers. In fact, our claims staff are licensed attorneys with actual practice experience. It’s also why we are endorsed by more State Bars than any other carrier. With ALPS, you’re not just buying a policy, you’re buying a promise.
