Professional Liability Coverage for Law Offices

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1 SMALL BUSINESS INSURANCE Professional Liability Coverage for Law Offices Coverage you need from a name you trust The Hartford Most lawyers agree, professional liability coverage is essential. But, it isn t easy to buy. At least not until now. Now you can get all the insurance coverage your firm needs from your local agent. All your property and casualty coverage from one company. Write one check and know that your business insurance headaches are over. Because now you can get Professional Liability coverage at competitive prices from one of the most respected names in the small business insurance market The Hartford. Spectrum s Tailored Coverage Now with Professional Liability Spectrum, The Hartford s industry-leading small business owner s policy covers law offices for a wide range of liability and property risks including: Business Liability. Building and Business Personal Property. Flexible, Tailor-Made Optional Upgraded Coverage. Stretch Plus for Law Offices. To make Spectrum s coverage even more comprehensive, Professional Liability coverage can now be added to the business insurance package. Get the reliability and financial stability of The Hartford and the ease and convenience of one policy and one bill. We ve even streamlined the application and made it quick and easy to complete. Spectrum s Professional Liability add-on coverage includes: Coverage for your professional services or those rendered for any qualifying predecessor firm. A predecessor firm is any law firm in whose financial assets and liabilities you are the majority successor in interest. Coverage for firm attorneys, of-counsel and non-attorney employees. Our expanded definition of who is an insured covers attorneys, those designated as of counsel and non-attorney employees such as paralegals, legal secretaries, etc. Full prior acts coverage. Subject to underwriting, we will provide prior acts coverage.

2 Innocent Insured Coverage. If only one person performs the dishonest act, we defend and cover the other insureds within the firm. The policy excludes coverage for fraudulent and dishonest acts. Flexible deductibles. Awareness Provision allows you to report incidents that may potentially lead to a claim. This provision allows you to report an incident that may lead to a claim and we will deem the claim made at that time and honor the date when you report the incident to us. Other Important Coverages from The Hartford In addition to core coverages, Spectrum Professional Liability provides these additional coverages that may not be included in other policies to ensure protection against potential loss: Expanded definition of professional services for acts as title agent, abstractor, arbitrator and mediator. This important protection extends coverage to other services provided, including acting as title agent, arbitrator, etc. Multiple extended reporting periods available by endorsement. If coverage is cancelled or nonrenewed, you may not wish to buy prior acts coverage from a new carrier or may not be continuing coverage. In that case, you may extend the reporting period: - 1,2,3 and Unlimited years. - Unlimited years at no cost when insured retires (after 3 years of coverage). - Unlimited years available for death and disability. Worldwide coverage. This coverage applies to claims brought in courts in the United States and Canada, regardless of where the act occurred. Quality Coverage and Claim Service in Uncertain Times While Professional Liability coverage is a new addition to our Spectrum business insurance package, The Hartford is not a new player in the market. All claims from Spectrum Professional Liability are handled through Hartford Financial Products, a long-time and highly respected expert in the Professional Liability insurance market. Our Professional Liability Claims Department is staffed by skilled attorneys with prior law firm experience. They are dedicated to our philosophy of customer service and excellence in claims handling. Added Value All business insurance and Professional Liability coverage is not the same. The Hartford has nearly 200 years of experience insuring American businesses. We know the coverage your law office needs and now we ve added Professional Liability and made it easier than ever for your convenience. And you ll have the peace of mind knowing that your business insurance and your Professional Liability coverage are both in the capable hands of The Hartford the small business insurance specialist. Give your local independent Hartford agent a call and start enjoying the convenience of a true onestop-shop for all the property casualty coverage your law office needs from The Hartford. For more information, visit sb.thehartford.com. This flyer outlines in general terms the coverage afforded under this policy. Examine the policy carefully for any exclusions, limitations, or any other terms or conditions that may specifically affect coverage. The terms and conditions of the policy prevail Printed in U.S.A The Hartford, Hartford, CT 06115

3 Spectrum Policy Highlights SMALL BUSINESS INSURANCE Liability and Property Coverage The Hartford offers some of the broadest liability and property coverages in the industry! With our strong appetite for hundreds of business classes, plus our essential core protection, valuable coverage extensions and high limits where they re needed most, The Hartford s property and liability coverage can help you meet the needs of your small and larger small business customers. Liability Coverage* BUSINESS LIABILITY COVERAGE Per Occurrence Limits $1,000,000 Basic per Occurrence Limit with $300,000, $500,000 and $2,000,000 options available Aggregate Limits Aggregate Limits are double the per Occurrence Limits $2,000,000 Basic Aggregate Limit with $600,000, $1,000,000 and $4,000,000 options available Medical Expenses $10,000 per person Newly Acquired Organizations 180 Days Fire Legal Liability $300,000 included with limits of $500,000 and $1,000,000 available as options Automatically Covered under Business Liability Form Limits Employees and Volunteers included as insureds Broad Form Additional Insured includes subsidiaries in which greater than 50% of voting stock is owned by the Named Insured Broad Form Vendors as required by written contract or written agreement Defense Costs outside of the Limits of Insurance Mental Anguish resulting from bodily injury, sickness or disease Non-Owned watercraft under 51 feet Other Insurance is primary for Additional Insureds when required by contract Per Location Aggregates included Personal and Advertising Liability includes coverage for discrimination or humiliation (other than employment-related) Property Damage to borrowed equipment not being used to perform operations at the job site Unintentional failure to disclose hazards Waiver of Subrogation OPTIONAL BUSINESS LIABILITY COVERAGES CyberFlex Coverage Product Recall and Replacement Coverage Umbrella Water Damage Legal Liability Provides expanded coverage for Internet-related personal and advertising injury Options of $25,000/$50,000 and $50,000/$100,000 available $1,000,000-$10,000,000 Limits of Insurance available as options; $10,000 SIR applies Options of $500,000 and $1,000,000 available OTHER LINES OF BUSINESS Commercial Automobile Workers Compensation Does not provide a complete description of all coverage capabilities offered under Spectrum. For complete details, see the online Product Manual and Sales Center at

4 Property Coverage* BUILDING Building Glass Coverage Definition BUSINESS PERSONAL PROPERTY Employee Tools Personal Property of Others Tenant Improvements & Betterments Limits Included under Building Definition 1,000 ft Included Included; a separate limit of insurance may be purchased Included; a separate limit of insurance may be purchased ADDITIONAL COVERAGES Collapse* Debris Removal $10,000 plus 25% with optional limits available up to $75,000 Equipment Breakdown* Hazardous Substances:* $50,000 Expediting Expenses:* $50,000 Upgrade Allowance:* 125% Fire Department Service Charge $25,000 Fire Extinguisher Recharge Forgery* $5,000 with optional limits up to $250,000* available Glass Expense Actual Loss Sustained Lock and Key Replacement $1,000 Money & Securities* $10,000 Inside/$5,000 Outside with optional limits up to $50,000 Inside/$25,000 Outside Ordinance or Law Coverage* Undamaged Portion: $25,000 Demolition Cost: $25,000 Increased Cost of Construction: $25,000 Tenants Improvements and Betterments: $25,000 Full Limits Available as an Option Pollutants and Contaminants $15,000 Preservation of Property Theft Damage to Building* Water Damage, Other Liquid, Powder or Molten Material Damage* ø Business Income Extra Expense Civil Authority Extended Business Income Business Income from Dependent Properties 45 Days Tenant Glass $25,000 Leasehold Improvements $25,000 Lease Assessment $2,500 Increased Cost of Construction: Buildings COVERAGE EXTENSIONS Actual Loss Sustained up to 12 Months (specified limit coverage may be required for selected classes or programs) No Waiting Period Actual Loss Sustained up to 12 Months (specified limit coverage may be required for selected classes or programs) Actual Loss Sustained up to 12 Months** 30 days with higher limits provided under the Spectrum Stretch Endorsements $5,000* with optional limits up to $100,000 available $10,000 (Standard Property Coverage Form Only) Accounts Receivable $25,000 On-Premises; $25,000 Off-Premises with optional limits up to $1,000,000 available Arson and Theft Reward $10,000 Data and Software $10,000 Garage, Storage Buildings and Appurtenant Building: $50,000 Structures Business Personal Property: $5,000 * Special Property Coverage Form Only ** 72-hour waiting period Denotes coverage options commonly covered under one of the Stretch endorsements ø This is not flood coverage

5 Property Coverage (continued) Limits COVERAGE EXTENSIONS (continued) Newly Acquired or Constructed Property Building: 25% of Building Limit up to $500,000 Business Personal Property: $250,000 Business Income: $50,000 Maximum 180 Days Higher Limits available under the Spectrum Stretch Endorsements Outdoor Property $10,000 Aggregate/$1,000 per tree, shrub or plant; Radio and Television Antennas, including Satellite Dishes $2,000 Personal Effects $10,000 Property Off-Premises Includes property in transit in owned vehicles: Building: $5,000 (no transit coverage for building) Business Personal Property: $2,500 Optional limits up to $100,000 available Valuable Papers and Records: $25,000 On-Premises; $25,000 Off-Premises with optional limits up to Cost of Research $1,000,000 available LIMITS OF INSURANCE Building Limit Automatic Increase 8% Business Personal Property: Seasonal Increase 25% with options of up to 50% available DEDUCTIBLES Standard Property Deductible $250 with options of $500, $1,000, $2,500 and $5,000 available Deductible applicable to all Additional Coverages and Coverage Extensions unless otherwise stated: $250 (Spectrum Xpand Standard is $500 with above options) OPTIONAL PROPERTY COVERAGES Backup of Sewers and Drains Options up to $100,000 Business Income Extension for $25,000, subject to a 12-hour waiting period for Spectrum Off-Premises Utility Services Computer Fraud Options of up to $100,000 Computers/Media Options of up to $1,000, hour waiting period applies to business income loss for viruses CyberFlex Business Income Web Site/Internet Services $50, hour waiting period applies Denial of Service $10, hour waiting period applies Web Site Vandalism $2,500 Good Faith Advertising $5,000 Earthquake Coverage Full and Sub-Limit capabilities available for Spectrum. Earthquake Sprinkler Leakage Coverage Full and Sub-Limit capabilities available for Spectrum. Fine Arts Coverage Options up to $500,000; $25,000 maximum limit per item Off-Premises Utility Services: Options up to $50,000 Direct Damage Coverage Scheduled Property Cameras, Cellular Phones, On-Premises Personal Property, Catering, Musical Instruments Signs Away from the Premises Outdoor Signs Available Temperature Change Options up to $100,000; Up to $250,000 for Food Processors Classes Transit Property in the Care of Carriers of Hire Options up to $100,000 *Special Property Coverage Form Only Denotes coverage options commonly covered under one of the Stretch endorsements 8/ The Hartford Financial Services Group, Inc., Hartford, CT All Rights Reserved

6 SMALL BUSINESS INSURANCE Law Offices Stretch Options The Hartford s enhanced Stretch endorsements provide powerful options for the protection of your business for example, the $250,000 blanket limit in our Super Stretch for Law Offices. Choose the Stretch that meets your business needs. Standard Super Stretch for Stretch Super Stretch Law Offices Coverage SS SS SS Accounts Receivable (On- and Off-Premises Exposures) Computers & Media Debris Removal $25,000 limit $10,000 limit $25,000 limit A Blanket Limit of $150,000 at each described A Blanket Limit of $250,000 at each described location Personal Property of Others $10,000 limit location for these for these coverages. Temperature Change $10,000 limit coverages. Valuable Papers and Records (On- and Off-Premises Exposures) $25,000 limit Back Up of Sewers and Drains (Within Covered Property Limit) Included Included Included Brands & Labels (Within BPP Limits) Included Included Included Business Income from Dependent Properties $25,000 limit $50,000 limit $50,000 limit Business Income: Newly Acquired Premises 180 Day Maximum $500,000 limit $500,000 limit $500,000 limit Business Income: Off-Premises Utilities Services $25,000 limit $25,000 limit $25,000 limit Business Income Extended Time Period 60 days 90 Days 90 days Claims Expense $10,000 limit $10,000 limit $10,000 limit Computer Fraud $5,000 limit $5,000 limit $5,000 limit Employee Dishonesty/ERISA $10,000 limit $25,000 limit $25,000 limit

7 Standard Super Stretch for Stretch Super Stretch Law Offices Coverage SS SS SS Fine Arts $10,000 limit $25,000 limit $25,000 limit Forgery $10,000 limit $25,000 limit $25,000 limit Laptop Computers Worldwide Coverage* $5,000 limit $10,000 limit $10,000 limit Law Libraries N/A N/A $25,000 Newly Constructed or Acquired Buildings 180 Days Maximum $1,000,000 limit $1,000,000 limit $1,000,000 limit Newly Constructed or Acquired BPP 180 Days Maximum $500,000 limit $500,000 limit $500,000 limit Off-Premises Utilities Services Direct Damage $10,000 limit $25,000 limit $25,000 limit Outdoor Property $1,000/$20,000 $1,000/$25,000 $1,000/$25,000 limit limit limit Outdoor Signs All All All Pairs & Sets (Within BPP Limits) Included Included Included Personal Effects $25,000 limit $25,000 limit $25,000 limit Property at Other Premises $10,000 limit $10,000 limit $10,000 limit Property Off-Premises $15,000 limit $25,000 limit $25,000 limit Salespersons Samples $1,000 limit $5,000 limit $5,000 limit Tenant Building Coverage-Required by Lease N/A $20,000 limit $20,000 limit Transit Property in the Care of Carriers for Hire $10,000 limit $10,000 limit $10,000 limit Valuation Changes Included Included Included Web Site Business Income $10,000 limit/ $50,000 limit/ $50,000 limit/ 7 days 7 days 7 days Price $125** $175** $175** *Not covered if checked as baggage. **Except in California. The Select Customer Stretches listed here are optional endorsements to the Spectrum policy. This information sheet outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully for any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. 11/ The Hartford, Hartford, CT 06115

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