Plan Details
The New Jersey State Bar Association Insurance Program, administered by USI Affinity, offers some of the most comprehensive LPL options available to New Jersey attorneys. With proprietary coverages, expanded risk management programs and exclusive membership credits for NJSBA membership – the NJSBA Insurance Program is the policy you want to protect the practice you have worked so hard to build.
Policy Highlights
- Settlement Control – We give you the ability to determine when you should settle.
- Breach Event Expenses and Cyber Investigation Expenses – Coverage for breach event expenses directly resulting from a privacy or security breach. As well as coverage for cyber investigation expenses directly resulting from a regulatory investigation regarding a Privacy Breach or Security Breach.
- License Protection – Should disciplinary proceedings be brought against you or your firm, your policy will cover up to $50,000 for expenses related to the proceedings.
- Subpoena Assistance – Professional subpoena assistance and reimbursement up to the policy limit for all reasonable attorneys' fees and other costs related to the subpoena response.
- Loss of Earnings – Reimbursement of up to $500 per day, $25,000 per claim and $50,000 per policy period for any loss of earnings endured from court appearances when responding to a claim.
- Reputation Coverage – Should your firm be negatively impacted due to false accusations made publicly, the NJSBA Insurance Program policy covers up to $25,000 reimbursement of reasonable fees, costs and expenses for consulting services provided by a public relations firms for each crisis event, up to $50,000 for all crisis events in a policy period.
- Fee Suit Avoidance – In an effort to reduce counter claims for malpractice brought on from suits for fees - the NJSBA Insurance Program policy covers up to $10,000 reimbursement for an unpaid fee.
- Attorneys who join your firm may be covered for their prior acts.
Apply Now
- Call 1-855-USI-0100 to talk with an LPL specialist who can get you started with our standard application process.
- Click here to download our full application for a firm with 1 – 10 attorneys.
- Once completed, you can email it to
LPLCoverage@usi.com, and one of our LPL specialist will call you right away to get started.
Frequently Asked Questions
Why do I need Lawyers' Professional Liability insurance?
- If you already have LPL coverage, it’s recommended that you look at two key features of your policy: Lateral Hire Coverage and Special Benefits for Sole Practitioners
Malpractice: A former client unhappy with the service or judgments they received.
Suits that may arise out of a former client’s assertion that their bill is too high, unjust or, more common, overdue.
I already have legal liability insurance. Why should I consider the NJSBA Insurance Program?
With 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.)
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And Special Benefits for Sole Practitioners include the following:
Extended Reporting Period
Retiree Benefit
New Attorney Discount
What is a legal malpractice potential claim?
- A legal malpractice claim is a demand made upon any insured for loss, including, but not limited to, service of suit or institution of arbitration proceedings or administrative proceedings against any insured.
What is a legal malpractice claim?
- A legal malpractice claim is a demand made upon any insured for loss, including, but not limited to, service of suit or institution of arbitration proceedings or administrative proceedings against any insured.
What is Extended Reporting Period or “Tail” coverage?
- Extended Reporting Periods are used to provide coverage for claims that may be reported after the end of a claims-made policy period. The option to extend the reporting period does not extend the policy period. The ERP cannot be renewed or extended.
What is the difference between Defense Costs Inside and Outside the Limits of Liability?
- Defense Costs Inside the Limits of Liability means that both the loss amount and claims expenses are deducted from the available limit of liability, and reduce the amount of your available limits to pay the actual claim. Defense Costs Outside the Limits of Liability means that only the damages/settlement amount is deducted from the available limit of liability, and that defense costs are in addition to the limits of liability.
What are the different deductible options that you offer?
- A range of deductibles, from $0 to $100,000 (depending upon your firm's size and the insurer’s approval).
How can I switch if I am already covered?
- Complete the brief form on the apply now page and we will contact you approximately 90 days prior to your policy’s expiration date.