Lawyers Professional LiabilityGet your free lawyers professional insurance quote from RC Cook Insurance. Call 330-296-3628 for more information. We're located in Ravenna, OH. Request a Quote As a legal professional in Ohio... ... you know how disappointing it can be to lack sufficient insurance to cover lawsuits, but have you given serious thought to your lawyers professional liability insurance policy? You never know when a client is going to feel like you didn't represent him or her to the best of your ability, and try to sue you as a result. You might think you have everything covered but this can be one of the costliest errors you can make, if you are wrong. Let's check out an example story to demonstrate just how important the right kind of coverage is.Sherman R was a well respected lawyer in the Cleveland area for many years. He and his partners handled a wide range of legal issues for their clients and had few problems and complaints. However, even the most competent and trusted law firms may have to deal with frivolous lawsuits sometimes and this is what happened to Sherman.One of Sherman's clients was injured on the job and seeking a major settlement. However, after a great deal of investigation it was revealed that the client was negligent while driving power equipment in a warehouse facility. In fact, he had an accident with a forklift because he made a bet with a fellow worker on how much weight his truck could lift without tipping over or causing problems.The lift truck ended up tipping, swaying sideways, and then falling over, trapping the worker's arm and leg. This resulted in significant injuries but once the insurance company learned the real facts of the case, they refused to pay the claim. Sherman told the man he didn't have a good chance to win his case, but the man claimed the insurance company was in error and he did nothing wrong. Sherman took the case and the man lost his claim. A few weeks later, Sherman received news that the client was suing him for incompetence. Even though the claim was absurd, legal fees became substantial and fortunately, Sherman had the right kind of attorney professional liability insurance. What is Liability Insurance for Lawyers? Some people call this coverage errors and omissions but it is actually lawyer's professional indemnity (liability) insurance. This coverage is there to protect your practice from many kinds of mistakes or errors you or your staff might make. This can also include misconduct and many other issues legal professionals face today. Think of it as malpractice insurance for lawyers. Who Should Have Lawyers Professional Liability Insurance Coverage? If you are a legal professional you need protection against all kinds of lawsuits against you. As you can see from the example story, even the most frivolous of lawsuits can cost you a great deal to defend in court. Everyone in the practice who comes into contact with clients should be covered. This includes:SecretariesParalegal workersAdministratorsVolunteer workersCompany attorneys (hired lawyer professional indemnity). What is Included in a Typical Attorney Professional Liability Insurance Policy? Your liability insurance should cover a wide range of issues. This can also include data breach liability insurance, because if personal information of your clients fell into the wrong hands, it could result in significant damages. Your insurance can cover data stolen from office computers, laptops, tablet computers, and smart phones.Liability should also extend to the World Wide Web as attack from cyber thieves is a real possibility these days. This can result in lawsuits and many different fees for things like media reporting and reputation management. What Insurance Options are Available? Coverage options depend on the type of type of law you cover and the size of the practice. Here are some insurance options you may need to consider:Prior actsRetroactive datesD&O - also called directors and officer's liability insurance. It covers corporate officers' actions resulting in damage and legal claims, including intentional acts and misconduct.Inside the limits defenseOutside the limits defenseStep rating for premiumsLateral hire - covers prior acts of lawyers after they join your practiceExtending liability limitsDeductible options - can include per claim, annual aggregate, or loss onlyExtended reporting periodsInnocent partner insurance Getting the Right Kind of Lawyers Professional Liability Insurance As you can see, there are many issues to consider when it comes to professional indemnity coverage and when you have a trained and experienced insurance professional on your side, you can be sure that all risk factors are covered. The R.C. Cook Insurance Agency has been in Ohio for over 50 years and we are independent agents providing clients with many different insurance options. This is possible because we are not the branch office of an insurer. We represent you and your interests.When you come to The R.C. Cook Insurance Agency you enjoy several benefits, such as:24/7 dedicated claims supportLoss prevention hotlineRisk management website accessComplimentary risk management serviceWide range of deductibles, coverage options, and limitsNationwide coverageThe R.C. Cook Insurance Agency is a full service agency and we are here to serve all your insurance needs. Click here to receive a free online quote on your attorney professional liability insurance. You may also call (330) 296-3628 for additional information. Worried about the cost? Our Company specializes in covering local businesses, and business owners like you. We have everything you’ll need right here, including:Monthly payment options to help spread out your payments so you can better manage your your cash flowCoverage of staff, full-time employees, and independent contractorsClaims responsiveness when time is of the essence, especially in the event of an insurance claimTailored coverage for the specific risks of your field and industryKnowledgeable agents who provide exceptional, passionate serviceFast and simple online quotes and immediate coverage Why We're Different You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.