The Right Defense for Your Firm

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1 Hanover Essentials The Right Defense for Your Firm

2 American Bar Association Study: MOST COMMON PROFESSIONAL LIABILITY CLAIMS Administrative or Clerical Errors: 16% of Claims Problematic Client Relations: 19% of Claims Alleged Intentional Wrongs: 9% of Claims Failure to Know or Apply the Law: 56% of Claims Source: Statistical information referenced above was retrieved from an article in Agent and Broker (September 2004). Five Simple Practice Criteria 1 No lawyer in the firm has practiced more than 25% of their time in any of the following areas: Financial Transactions, Plaintiff Personal Injury, General Real Estate, or Consumer Debt Collection 5 No lawyer in the firm: provides legal services in exchange for stock, partial ownership, or investment with a client of the firm No lawyer in the firm has gross billings over $300,000 in a 12-month period No professional negligence claim has been filed against the firm or any lawyer in the firm within the past five years No lawyer in the firm has any knowledge of any situation which might result in professional liability claims against the firm or any current or past firm lawyer has any financial interest in, has served, or is serving as a board member of any for-profit client of the firm practices in any of the following areas: admiralty, agent practice, corporate or municipal securities, entertainment law, intellectual property, or oil and gas/ mineral rights is a Title Agent Law firms that don t meet these five criteria may be eligible for the Hanover Professionals Select policy.

3 Hanover Essentials Essential Protection for Your Practice You ve devoted your business and career to protecting and defending your clients under the law. But who will protect you and your firm against professional liability exposure should you be sued for malpractice, substantive error, or other reasons? That s why The Hanover, working closely with your insurance agent, has developed a basic professional liability protection program just for smaller law firms like yours. Hanover Essentials is designed, underwritten, administered, customized, and serviced by some of the best, most experienced talent in the insurance industry. With The Hanover* behind you, you can practice your profession without worry we ve got your back. * Refer to back panel for underwriting company listing. Hanover Essentials at a Glance Tailored to firms with 1 10 lawyers Up-front pricing $0 deductible Claims expense inside limit Maximum limit $1 million per claim Competitively priced

4 Coverage Highlights Hanover Essentials offers basic professional liability protection for law firms with 1 10 lawyers. Besides offering important coverage features, Hanover Essentials also offers limits of up to $1 million and prior acts coverage is available on a firm basis. Limits COVER AGE Deductibles Claims Expenses Prior Acts Coverage Work Covered Of Counsel Coverage Extended Reporting Period Endorsements ( Tail ) HIGHLIGHTS Many options available from $100,000/$300,000 up to $1 million. No deductible. Coverage includes Claims Expenses Inside the Limit (CEIL). Available on a firm basis. The policy retroactive date applies to the firm. Firm member retroactive dates are the dates of hire/ admittance dates. Covers acts performed on behalf of the Insured firm. Of Counsel attorneys covered for work done on behalf of the firm if they are scheduled on the policy. Available for Individual Insureds and Named Insureds. Free 36-month ERP available for death or permanent disability. Expert Protection, Designed by Experts Hanover Essentials offers basic professional liability protection for practices with 1 10 lawyers, created by insurance experts with many years of experience working with law firms. Our team fully understands the many risks you face and has created a competitively priced product, designed specifically for smaller firms or newly established practices. In addition, our agents will help you determine the right protection for your needs and keep your policies up to date. Comprehensive Coverage for Every Need Business Owner s Policy covers Property, General Liability, Business Income Law Offices Broadening Endorsement provides additional coverage unique to law firms Commercial Auto Workers Compensation Commercial Umbrella Commercial Crime/Fidelity Marine (covers accounts receivables, valuable papers and records, electronic data processing, etc.)

5 Superior Claims Professionals We ve staffed our claims operation with highly experienced and dedicated claims professionals, including lawyers and specialized administrative personnel, and we have experienced defense panels in every state. These high-caliber people are experienced professional malpractice specialists and lawyers. Our team has over 30 years of combined experience in resolving professional liability claims. Why Hanover Professional Portfolio? Comprehensive coverages for every type of firm Specialized category products Extensive legal industry expertise and knowledge base Experienced decision makers World-class service with fast response times Simplified, rapid claims resolution Highly trained agents who care about you Solid history of performance Competitive rates Start Building a Case for Exceptional Protection Nobody knows more about designing coverage for today s business risks than your agent and The Hanover Professional Portfolio team. Get a conversation started with an agent today.

6 Why The Hanover? Through its Hanover Professional Portfolio division, The Hanover offers a full range of Management and Professional Liability products, giving small and mid-sized businesses and organizations the advantage they need to keep pace with a constantly evolving market. Rated A (Excellent) by A.M. Best, The Hanover has been a financial leader since Today we rank among the Fortune 1000 and are one of the top 30 largest property & casualty insurers in the U.S. Our deep and wide experience has enabled us to become a recognized authority in Management and Professional Liability coverage. This material offers a brief description of coverages and programs and is provided for informational purposes only. Actual coverages may vary by state. Options and credits are not available in all states. For exact terms, conditions, exclusions, and limitations, please contact your Hanover Agent. Professionals Direct Insurance Company, 5211 Cascade Road, SE, Grand Rapids, MI The Hanover Insurance Group with Eagle icon and Our policy is performance are trademarks of The Hanover Insurance Group, Inc. w w w. h a n o v e r p r o f e s s i o n a l. c o m The Hanover Insurance Company 440 Lincoln Street, Worcester, MA Citizens Insurance Company of America 645 West Grand River Avenue, Howell, MI (2/10)

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