Given the growth of and dependence on
technology, law offices today have a greater exposure to potential loss
than ever before. You need
to protect your business investment with an insurance program that addresses
your law office's requirements.
That's exactly what you'll find with
the ProTexn Lawyer's Office Package, which includes property/liability,
workers' compensation and business auto insurance. ProTexn has teamed
up with an A.M. Best rated at carrier to offer this custom plan designed
to protect your firm against the wide range of business risks that it
faces every day.
A reliable source of professional liability
insurance since 1979, ProTexn knows how to protect the livelihoods of lawyers, as you can see from the many attorney focused features listed below.
BASIC PROTECTION
Building and Business Personal Property
Pays to repair or replace your building
or, if you are a tenant, any equipment, furniture or fixtures that you
own, up to your policy's limits. The Special Property Coverage form covers
direct loss not otherwise excluded, including theft.
No Coinsurance Clause
No complicated coinsurance rules to be
met.
Deductible Options
Start as low as $500.
Money and Securities
Protects your money and securities up to $10,000 at a covered
location or when deposited in a bank or savings institution, and up to
$2,000 when located off the premises (you may increase this limit to $10,000).
Business Liability
Protects your firm against claims--up to $1,000,000--(exclusive
of those resulting from legal services) for injuries to your customers,
the general public, or from damage to the property of others. Medical
expenses are covered up to $10,000. Defense costs as a result of such
claims are covered regardless of fault, even if those costs exceed your
policy limits.
Fire Legal Liability
Protects you against legal liability (up to $300,000 per occurrence)
for damage caused by fire, lightning or explosion to that portion of the
premises you lease and occupy for your offices.
Business Income and Extra Expense
Covers your fine arts at $1,000 per item
with a maximum optional limit of $25,000 per item and a maximum per location
of $100,000.
Available Options
Lawyers' STRETCH sm
Endorsement
Here are eight coverages specifically
packaged for your firm at a cost hundreds of dollars less than if they
were purchased separately:
| $25,000 |
Law Library Coverage |
| $25,000 |
Computers and Media |
| $25,000 |
Valuable Papers |
| $10,000 |
Employee Dishonesty |
| $5,000 |
Outside Signage |
| $10,000 |
Business Personal Property of
Others |
| $10,000 |
Personal Property Off Premises
and In Transit |
| $5,000 |
Accounts Receivable |
Property Off Premises and In Transit
STRETCHsm automatically provides $10,000 in coverage;
limits up to $50,000 are available.
Computers and Media
Your computerized records can be destroyed
by a number of hazards, including theft, power surges and viruses. STRETCH
sm automatically provides $25,000 in coverage, and options up
to $250,000 in coverage are available.
Law Library Coverage
Covers legal books, periodicals, manuals, treatises and other
publications used in the practice of law. Also includes legal videotapes
and reference materials, such as legal directories, American Bar and state
and local bar association materials. STRETCHsm automatically
provides $25,000 in coverage; limits up to $500,000 are available.
Other Optional Coverages include:
Valuable Papers up to $250,000 and Systems Breakdown, which
covers everything from fax machines to air conditioners.
Workers' Compensation
- All-states coverage protects lawyers
and staff traveling out of state.
- The program provides services which
can help you control workers' compensation medical expenses and other
loss costs.
- Toll-free, 24-hour claim reporting
gets your claims processed fast.
- Non-assessable policy -- you never
have to pay additional premium for an assessment.
Business Auto
Provides coverage for autos owned
or leased by your firm.
Umbrella
Provides higher limits of liability
over your auto and general liability.
Employment Practices Liability
Protects the firm from suits brought by employees for failure
to promote, discrimination, sexual misconduct and sexual harassment.
The statements above provides
only a brief overview of available coverage. Please refer to the actual
policy for complete details of coverage and exclusions.
If you would like additional information faxed or mailed to your office, please complete our online request form or go to the Applications and Forms page to review or download forms. Or, call us toll-free at (800) 441-9196 or (214) 691-8984
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