The Right Defense for Your Firm

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The Right Defense for Your Firm

Hanover Essentials


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 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

No lawyer in the firm: • provides legal services in

exchange for stock, partial ownership, or investment with a client of the firm

• 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 1 2 3 4 5

Five Simple Practice Criteria

American Bar Association Study:


Administrative or Clerical Errors: 16% of Claims Alleged Intentional Wrongs: 9% of Claims Problematic Client Relations: 19% 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).

Law firms that don’t meet these five criteria may be eligible for the Hanover Professionals Select policy.


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.

Hanover Essentials

* 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


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 cov-erage is available on a firm basis.


Limits Many options available from $100,000/$300,000 up to $1 million. Deductibles No deductible.

Claims Expenses Coverage includes Claims Expenses Inside the Limit (CEIL). Prior Acts Coverage Available on a firm basis. The policy retroactive date applies to

the firm. Firm member retroactive dates are the dates of hire/ admittance dates.

Work Covered Covers acts performed on behalf of the Insured firm.

Of Counsel Coverage “Of Counsel” attorneys covered for work done on behalf of the firm if they are scheduled on the policy.

Extended Reporting Period Endorsements (“Tail”)

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.)


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

• Competitive rates

• World-class service with fast response times

• Simplified, rapid claims resolution

• Highly trained agents who care about you

• Solid history of performance

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.


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The Hanover Insurance Company

440 Lincoln Street, Worcester, MA 01653

Citizens Insurance Company of America

645 West Grand River Avenue, Howell, MI 48843

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 49546

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

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 1852. 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.





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