Lawyers Professional Liability

	A X Rated Carrier by A.M. Best Co.
	Available on an Admitted Basis in AZ, CA, CO, ID, NM, NV & UT
	Available on an Non-Admitted Basis in OR
	1-10 Attorney Law Firms
	Limits of Liability up to $2,000,000
	Optional Defense Costs in Addition to Limits of Liability
	Optional Defendants Reimbursement Coverage
	Title Agency Coverage
	Personal Injury Coverage
	Full Prior Acts Coverage
	Deductibles from $5,000 to $25,000

What's New
Ineligible Risks
Underwriting Guidelines
General Program Information
Frequently Asked Questions

This Lawyers Professional Liability Program is designed for small to medium sized law firms with up to 10 attorneys. We are currently writing business in Arizona, California, Colorado, Oregon and Nevada with more states scheduled to come on line soon! Our world class service will get your application processed quickly and easily!

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Ineligible Risks

Please contact your Underwriter for details at 916.772.9200.

Underwriting Guidelines

Policy Limits of Liability
$500,000/$500,000 $500,000/$1,000,000 $1,000,000/$1,000,000 $1,000,000/$3,000,000 $2,000,000/$2,000,000
Deductibles (Each and Every Claim)
$5,000 $7,500 $10,000 $15,000 $25,000
Availability
Arizona - Admitted California - Admitted Colorado - Admitted Nevada - Admitted Oregon - Not Admitted
Annual Minimum Premiums Varies by state and by operations.

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General Program Information

Risk Cancelled or Non-renewed by Other Company

Please refer any risk that has been cancelled or non-renewed to Builders & Tradesmen's Insurance Services, Inc. prior to submission. Please provide full information regarding the reason for cancellation or non-renewal and the conditions or preventive steps taken by the applicant.

Audit Basis

Professional Liability premiums and exposures are subject to final audit. Earned premium for the exposure will be determined at the end of the policy period.

Waiver of Premium

Additional or return premium account balances of $10.00 or less will be waived.

Cancellations

Policies will be cancelled Pro rate (without penalties) when policy is cancelled for the following reasons:

At the request of the company.
Nonpayment of premium.
Insured no longer has a financial or insurable interest in the property or business operation.

Binding Authority

Builders & Trademen's Insurance Services, Inc. has binding authority for this program. All accounts are subject to company underwriting and review.

Reinstatement with a Lapse in Coverage Guidelines

To avoid a lapse in coverage, all outstanding issues must be addressed and/or payments must be received by Builders & Tradesmen's Insurance Services, Inc. prior to the cancellation date.

Claims

If a CLAIM is made against any INSURED, the INSURED must give prompt written notice to the Company at:

Navigators Insurance Company
One Penn Plaza
55th Floor
New York, NY 10119
(Attn: Navigators Pro Claims Department)

Notice shall include every demand, notice, summons or other process received by any INSURED. No INSURED shall, without prior written consent of the Company, make any payment, admit liability, settle CLAIMS, assume any obligation, agree to arbitration or any similar means of resolution of any dispute, waive any rights or incur any CLAIM EXPENSES on behalf of the Company.

NO COVERAGE IS BOUND WITHOUT PRIOR APPROVAL FROM BUILDERS & TRADESMEN'S INSURANCE SERVICES, INC. & THE CARRIER. BUILDERS & TRADESMEN'S INSURANCE SERVICES, INC. & THE CARRIER RESERVE THE RIGHT TO DENY ANY REQUEST FOR REINSTATEMENT.

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Frequently Asked Questions

How do I find out more?
Use our live support for an immediate response or call your CSR or Underwriter at 916.772.9200 .

What do I do if I am having system problems?
Use our live support for an immediate response or call your CSR or Underwriter at 916.772.9200.

Who is Navigators?
The Navigators Group, Inc. is an international insurance holding company with insurance company operations, underwriting management companies and operations at Lloyd's of London.

Navigators primarily underwrites marine insurance and related lines of business, contractor's general liability, professional liability insurance. Headquartered in New York City , with offices in major insurance centers in the United States and the United Kingdom , Navigators is one of the largest marine insurers in the world. The policies are written on Navigators Insurance Company, an admitted carrier or Navigators Specialty Insurance Company, a non-admitted carrier.

What law firms are eligible to obtain coverage from Navigators?
Navigators is able to offer coverage to law firms, either on an admitted or non-admitted basis, in all but three states in the United States . Please see Product Overview for all of the eligible states.

Why do I need a Professional Liability policy?
A Professional Liability policy protects the Named Insured against damages and claims expenses which the insured shall become obligated to pay because of claims arising out of any act, error or omission of the insured in rendering or failing to render professional service for clients .

How do I apply?
Please submit a Lawyers Professional Liability application, including applicable supplements, available for download on this website. If you are a lawyer seeking coverage, please contact BTIS at 916.772.9200, so we can refer you to a broker in your area.

What do I do if I have a claim?
If a CLAIM is made against any INSURED, the INSURED must give prompt written notice to the Company. Notice shall include every demand, notice, summons or other process received by any INSURED. Please see the Claims section on this web page.

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Edition 02/18/09


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