Liability insurance for Attorneys & Legal

• Do we need career coverage on our professional liability policy?

  Usually yes, once your firm has changed carriers, merged, or hired laterally — but not for the reason most quotes imply. Career coverage (also called prior acts or nose coverage) isn't about who's leaving; it's about whether your current policy's retroactive date actually reaches back far enough to cover work your attorneys already did. Long, uninterrupted tenure with one carrier can make it unnecessary; anything else usually can't.

Coverage mechanics for Attorneys & Legal

Policy mechanics, exclusions, certificates, and claims questions live on our sister publication: Attorneys & Legal on isthiscovered.org.