Lawyer's Learning Center with DHIA

How Limits and Deductibles Shape Your Liability Insurance Premium and Coverage

Daniels-Head Insurance Episode 115

In this episode, we examine how policy limits and deductibles directly affect your professional liability insurance premium and the coverage you get. Several factors contribute to determining your premium, but limits and deductibles are among the most important.

It's key to recognize the relationship between these factors and your liability insurance costs, as well as how certain decisions may increase your out-of-pocket expenses.

Understanding these dynamics is crucial for making informed decisions about your lawyers' liability coverage. While it may mean paying more for adequate protection, doing so or adopting financial risk management practices helps safeguard the financial health and stability of your law practice.

 

 

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More Resources:

How to Minimize Your Lawyer’s Professional Liability Costs and Maximize Your Benefits

Claims-Made and Reported Policies 101

Prior Acts Coverage 101

Price vs. Value: Making Informed Choices When Shopping for Lawyers Professional Liability Insurance

Calculating Adequate Coverage When It Comes to Limits of Liability

Key Questions to Ask When Shopping for Professional Liability Insurance

Understanding The Step Rate Factor



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