There’s a reason why golfers are allowed to carry 14 clubs in their bag—because no single club can handle every shot on the course. Different situations call for different tools, and smart golfers prepare for anything that might come their way.
The same logic applies to legal malpractice insurance. Just like a full golf bag, your malpractice policy should be equipped with a range of coverages—each designed to help you handle the many different “shots” you’ll face in your law practice.
Here are the 14 “clubs” I believe every law firm should have in their insurance bag:
1. Prior Acts Coverage
Make sure your policy covers work you’ve done before the current policy period.
2. Career Prior Acts Coverage
Even better, find a policy that offers coverage for the entire span of your legal career.
3. Sufficient Policy Limits
Don’t come up short. Ensure your limits are high enough to handle a serious claim.
4. A Deductible That Matches Your Firm Size
Balance affordability with risk—your deductible should reflect your firm’s resources.
5. Coverage for Disciplinary Matters
Ethics complaints happen. You’ll want protection if your license is ever at risk.
6. Extended Reporting (Tail) Coverage
If you retire or switch carriers, make sure you can still report claims from past work.
7. Free Retirement Tail
Look for policies that offer a complimentary tail when you permanently retire.
8. A Broad Definition of “Insured”
Make sure your policy clearly includes all attorneys, staff, and affiliated roles.
9. Coverage for Of Counsel and Independent Contractors
These contributors need protection too—confirm they’re covered under your policy.
10. A Less Restrictive Consent-to-Settle Clause
Avoid a true “hammer clause” that forces your hand in claim settlements.
11. Easy Reporting Methods
Claims should be reportable via mail, email, phone, or even fax—without hassle.
12. Local Defense Counsel
If you’re in Pennsylvania, make sure Pennsylvania lawyers will defend you.
13. A Malpractice Helpline or Hotline
Quick access to guidance can help you avoid missteps before they become claims.
14. An Efficient Renewal Process
Renewals shouldn’t be a burden. Find a carrier that makes it easy and smooth.
Just like golf, preparation matters. But unlike golf, you don’t have to stop at 14 clubs. Your malpractice coverage should be tailored to your specific needs, not limited by an arbitrary number.
So, before you tee off or sign your next policy renewal—check your bag. Make sure you have everything you need to play a strong legal defense game.