Our Claims Philosophy

At Lawyers Mutual, malpractice coverage is about much more than coverage limits, deductibles, policy language, and premiums. The strength of our reputation is built on the value and service we have provided North Carolina lawyers for nearly 50 years, a record no other company can touch. And today, we offer more value than ever.

Lawyers don't buy malpractice coverage to report to the North Carolina State Bar that they have coverage. You buy it because you want expert assistance when you have a claim. The ABA reports the average lawyer will have two malpractice claims in their career, and there is a 1 in 6 chance of having a claim in any given year. Half of Lawyers Mutual's claims dollars are spent defending claims. Our expertise lies in protecting lawyers, supported by our exceptional financial strength and proven claims-paying ability.

Professional liability insurance uses a 'claims-made' policy, unlike an 'occurrence' auto policy. Our policy protects you against any claim made in the policy year that arises from a mistake that occurred since the retroactive date of your policy. So you may make a mistake now, but it may not be discovered and reported until much later. This has important implications for the quality of your protection.

Most of our policyholders have been covered by Lawyers Mutual their entire careers. This makes it simple -- if a valid claim is reported and not barred by the statute of limitations or repose, it is covered.

See our Frequently Asked Questions for additional questions about claims, claims repair, and reporting a claim.