Malpractice Insurance

New York doesn’t require attorneys to carry malpractice insurance or disclose that they don’t. What the rules actually say, the narrow exception, and why the market mandates what Albany doesn’t.

California doesn’t mandate malpractice insurance — but uninsured lawyers must disclose it to clients in writing under Rule 1.4.2, and skipping the disclosure can void your fee agreement.

Two quotes with the same premium can offer very different protection. The seven lines that matter — limits, defense costs, retro date, deductible, exclusions, consent, tail terms.

A breach isn’t a malpractice claim — and malpractice policies aren’t built to pay for one. What LPL covers, what cyber covers, and why law firms need both, coordinated.

Your retroactive date decides whether past work is covered at all. How prior acts coverage works, what resets it, and the questions to ask before any policy change.

What tail coverage actually does, what it costs, when you genuinely need it — and the common situation where lawyers buy it unnecessarily.