Law Firm Insurance Packages

Purpose-Built Coverage for Legal Practices
Coverage Crafted for Complex Legal Environments
In the legal business, one costly claim — whether it’s a client lawsuit, cyber breach, or harassment allegation — can put years of reputation and revenue on the line. For high-profile law firms operating in New York, general insurance isn’t good enough. You need layered protection, customized coverage, and white-glove service that anticipates risk before it becomes a headline.
United Coverage specializes in insuring large law firms across New York, offering scalable policies designed for demanding, high-liability environments where even the smallest oversight can trigger litigation.
Coverage Designed for Legal Precision
Legal Malpractice Insurance (Professional Liability)
This is the core of your protection — and your credibility.
Covers: Alleged errors, omissions, or breaches of fiduciary duty Missed deadlines, statute of limitations lapses, or misapplied case law Client dissatisfaction that leads to costly legal action — whether or not it holds merit We offer: High-limit policies ($1M to $25M+) Aggregate deductible structures Claims-made policies with retroactive coverage Malpractice suits are rarely about wrongdoing — they’re about perception. You need coverage that’s ready to fight.
General Liability Insurance
Even a firm with a litigation department needs protection from everyday risk.
Covers: Bodily injury to third parties (e.g., slip-and-fall in your lobby) Property damage claims during client visits or offsite events Personal injury (libel, slander) outside the scope of legal work We help tailor policies for: High-foot-traffic Midtown or Wall Street offices Multi-location firms Firms that host seminars, events, or community outreach
Commercial Property & Business Income (via BOP or Standalone)
A fire, flood, or building system outage can grind operations to a halt.
Covers: Office furnishings, IT infrastructure, records, and leasehold improvements Income loss during covered shutdowns (critical in hourly billing environments) Equipment breakdown (server room downtime, HVAC failure, etc.) Want to insure $10M+ in assets across multiple offices? We structure limits that fit large-firm operations — not one-size-fits-all packages.
Cyber Liability Insurance
The modern law firm is a digital fortress — and a target.
Covers: Data breaches (PII, PHI, financial records) Ransomware attacks and extortion payments Business interruption from cyberattacks Regulatory fines (NY SHIELD Act, HIPAA, GDPR) Lawsuits stemming from client data loss We partner with elite cyber carriers who understand legal-specific exposure, offer 24/7 breach response teams, and include penetration testing add-ons for proactive risk management.
Employment Practices Liability Insurance (EPLI)
With great headcount comes great liability.
Covers: Wrongful termination Discrimination and harassment allegations Retaliation, wage disputes, and hostile workplace claims We build EPLI policies with: Third-party coverage (claims from non-employees like clients or vendors) Optional defense outside limits Access to pre-claim legal counsel One disgruntled associate can turn into a $500K claim overnight. Make sure you’re covered.
Workers’ Compensation (NY Compliant)
Required by state law — but not all policies are equal.
We help high-headcount firms with: Executive carve-outs Remote/hybrid employee classifications Low experience-mod optimization Return-to-work programs and claims management support
Additional Considerations for Large NYC Firms
- Directors & Officers (D&O) Insurance
Protects managing partners and firm leadership from governance-related lawsuits. - Fiduciary Liability
Covers mismanagement of employee benefit plans like 401(k)s or group health. - Commercial Auto (Hired & Non-Owned)
For firms with client-site travel, car services, or even firm-owned vehicles. - Umbrella & Excess Liability
High net-worth client base? Large deals? High-exposure litigation? Add $5M–$50M in excess protection above your base policy limits.
Why Big Firms Trust United Coverage
We’re not your average broker.
- We specialize in high-value commercial insurance, not main-street packages
- Based in Hewlett, NY, we know the laws, courts, and compliance codes that govern NYC-based firms
- We have direct relationships with top-tier carriers — AXA XL, Chubb, The Hartford, CNA, Liberty Mutual, and more
- ⏱ Fast response. Priority handling. No call center nonsense.
We understand that time is money — and every delay is a liability.
Let’s Talk Strategy, Not Just Premiums
If your law firm generates millions in revenue, handles sensitive or high-profile cases, or operates across multiple offices — your coverage needs to reflect that complexity.
United Coverage will:
- Audit your current policy stack
- Identify exposure gaps
- Build a tailored risk management program that grows with your firm
[Request a Confidential Consultation]
We’ll treat your risk portfolio like you treat your clients — with precision, expertise, and relentless attention to detail.
Let’s Talk Coverage That Works
