Attorney insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$20.83
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$20.83
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Does an Attorney Need Insurance?
As an attorney, you live for the details. Reviewing statutes and case law line by line is an everyday occurrence, and you use your expertise to help your clients. You’ve worked hard to earn your reliable reputation, and here at Simply Business, we can help you protect your business for years to come.
Below are some of the most common types of insurance policies that attorneys carry to stay protected.
What Type of Attorney Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.83
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Insurance Cover for Attorneys?
Here’s something you don’t often hear — you don’t need to spend hours learning about business insurance. Your time is better spent working on your clients’s cases and our licensed insurance agents are here to help answer many of the questions you may have about insurance coverage.
To get started, you may be curious about what types of insurance you need to carry and what they cover. Here are the three types of coverage your practice may need.
General Liability Insurance
Are you a generalist or a specialist? If general liability insurance were a law firm, it would accept a little bit of every kind of case and client. This type of insurance covers ‘general’ claims, such as those arising from bodily injury or property damage to a third-party.
The average claim for damage or accidents in small businesses is $30,000, which means that being insured could protect your finances from a big hit. You also may choose to add contents coverage, which could offset the cost of stolen business property.
Let’s run through a hypothetical scenario where attorney liability insurance could come in handy. One day your client is visiting your office, and you have to use an extension cord for your laptop because of a problem with the outlet near your desk. As your client is leaving, they trip over the cord and hit their head on the side of the door. Unfortunately, your client is injured and has to visit the doctor to get stitches.
Without insurance, you may need to pay for the medical expenses out of pocket. However, a general liability policy would help cover the costs. If you found yourself in a scenario like this, you would be grateful to have insurance to minimize financial damage.
So what does general liability insurance for attorneys usually cover? Here’s a recap:
- Third-party property damage (aka clients or vendors)
- Bodily injury
- Medical expenses
- Personal and advertising injury
- And more
General liability insurance does not cover:
- Personal property damage
- Professional services
- Employee injury and workers compensation
- Damage to your work
- Motor vehicles during business use
- Intentional injury or damage
- And more
Professional Liability Insurance
You’ve likely heard of malpractice, or professional liability insurance. Since you’re offering a professional service, a client can sue you for negligence and damages, even if you don’t agree with the claim. In fact, professional liability insurance covers you in case a client claims that you, your employees, or your business were negligent.
What constitutes “malpractice” or “negligence,” though? It could be as simple as missing an important deadline with the court which changed the outcome of the case to your client’s detriment. As a result, your client sues you for legal malpractice.
Even if you have sufficient proof to claim your actions weren’t negligent or it didn’t change the outcome of the case, you will still incur legal fees. Without professional liability insurance, you’d need to pay any settlements and legal fees out of pocket, whether it comes from your professional or personal finances. However, malpractice insurance could offset those costs and potentially save your practice.
Let’s review the scenarios that professional liability insurance usually covers:
- Legal defense costs
- Omissions or alleged omissions
- Negligence or alleged negligence
- Claims and damages
- And more
Having attorney professional liability insurance does not usually protect you from:
- Property damage
- Intentional acts and omissions
- Bodily injury
- Medical expenses
- And more
Workers Compensation Insurance
There comes a time when a person can’t run their business alone, and they need to hire employees. While this means you can take on more cases or focus on the tasks you do best, it also means you have a few extra responsibilities. Most states require employers to have workers compensation insurance, whether you have part-time or full-time employees. Workers comp covers medical bills, lost wages, and any legal fees associated with an employee who got sick or hurt on the job.
A claim from an injured employee may be larger than you think, too. In 2018, work injury costs totaled over $170 billion, and the average claim for a workplace injury is $41,000. There doesn’t need to be a sudden catastrophic event to lead to a workers comp claim, either. For instance, the average carpal tunnel claim totals at $29,918.
Workers compensation insurance for attorneys may cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should You Get Insurance for Attorneys?
Just because you know the ins and outs of a court case and can expertly defend your clients doesn’t mean you’ll want to find yourself in their shoes. Forty-three percent of small business owners have reported being threatened with or involved in a civil lawsuit. You know that the best defense is being prepared, which is exactly what having business insurance does. Committing to your insurance policy each month is your protection in case of the worst-case scenario.
The average costs small business owners are exposed to without insurance include:
- $30,000 for property damage or accident claims
- $39,000 for work injury claims
- $50,000 for reputational harm claims (e.g., slander or libel)
- $20,000 for a client slip-and-fall case
Attorney liability insurance isn’t just there for you on the worst days, either. Having a certificate of insurance (COI) when you buy your policy through Simply Business also provides new opportunities. Some potential perks include:
- Rent out a room or space for your business
- Convince other people to work with you
- Earn clients’ confidence
- Open another location
- And more!
What Does Attorney Insurance Cost
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Answers to More Attorney Insurance Coverage Questions
Each state establishes its own business insurance requirements. Even if it isn’t required in your state, though, it’s highly recommended. Additionally, in most states, workers compensation insurance is almost always needed if you have part-time or full-time employees.
It’s always best to check with an accountant for accurate information for your location, but your business insurance may be tax-deductible. Small business owners usually can deduct the cost of insurance premiums when they file their taxes.
There’s no universal attorney insurance coverage amount, nor should there be. Each business is unique, so every insurance policy is customized. The level of coverage you need depends on the services you provide, whether or not you have employees, your annual revenue, your location, and more.
You can leave those details to us. Our licensed insurance agents can help you consider the appropriate amount of coverage for you and your practice.
Our insurance quote process is easy, but it will go even smoother if you have some of the following information on hand before getting started:
- Annual revenue estimates
- Payroll estimates (if you have employees)
- Information on any previous claims
Your location impacts your insurance needs, and your state may require specific policies if you:
- Have employees
- Rent out office space
- And more
A comprehensive insurance policy can usually cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
If you work alone, you won’t need to purchase a workers compensation policy.
Business insurance isn’t one-size-fits-all, so the cost ranges between practices. Your coverage and monthly premium depend on the following:
- Payroll estimates
- Your location or the location of your office
- The specific legal services you offer
- And more
Want to see how much your insurance policy may cost, without commitments or confusion?
When you fill out our quote form, you can see policy prices from the country’s most trusted insurance providers in just 10 minutes or less.
Our licensed insurance agents can help you find coverage to fit many of the services you offer.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
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With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
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Owner of Room to Breathe Professional Organizing
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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