Whether you’re a solo attorney, a boutique firm, or a growing legal team with multiple partners and staff, your law firm faces real risk. Legal work is high stakes—and one misstep, accusation, or gap in protection can derail your reputation and your bottom line.
At Keslar Insurance, we help law firms across New Hampshire, Maine, and Massachusetts get the customized, compliant insurance coverage they need—no matter their size or practice area.
Custom Coverage for Law Firms: From Solo Practices to Full Teams
Law firms have unique exposures—from professional liability to data breaches to employment claims. As your firm evolves, your insurance should too. We help you build a policy package that fits the way you operate today—and flexes with your future growth.
Core Coverages for Law Firms:
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Professional Liability (Legal Malpractice) – Protects against claims of errors, omissions, or negligence—whether you’re at fault or not.
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General Liability – Covers physical risks like slips and falls at your office.
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Cyber Liability – Essential protection against data breaches, ransomware, and phishing attacks targeting confidential client data.
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Commercial Property – Covers your office equipment, furniture, decor, and case files—whether you own or lease your space.
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Business Interruption – Replaces income and covers expenses if your firm must close temporarily due to a covered loss.
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Employment Practices Liability (EPLI) – Covers claims like wrongful termination, discrimination, or harassment brought by employees or former staff.
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Workers’ Compensation – Required in NH, ME, and MA if you have employees. Covers workplace injuries.
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Commercial Auto – For any firm-owned vehicles or business use of employee vehicles.
We Work With Law Firms at Every Stage
Whether you’re hanging your shingle as a solo attorney or managing a multi-partner firm with 30+ employees, we tailor insurance to fit your practice’s scope, risk profile, and compliance needs.
- Licensed in New Hampshire, Maine, and Massachusetts
- Fast, accurate Certificates of Insurance
- Responsive, real-person service—no call center runaround
- Carriers with legal industry expertise
- Risk reviews and coverage updates as your practice evolves
FAQs: Insurance for Law Firms
1. What insurance does a law firm need?
At a minimum, most firms need:
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Professional Liability (Malpractice)
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General Liability
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Cyber Liability
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Commercial Property (if applicable)
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Workers’ Comp (if you have employees)
Larger firms may also need EPLI, Business Interruption, and Commercial Auto coverage.
2. What does Professional Liability (Legal Malpractice) cover?
It covers claims that you made a mistake, missed a deadline, breached fiduciary duty, or gave bad legal advice—even if the claim is baseless. It helps pay for legal defense, settlements, or judgments.
3. Do solo attorneys or part-time practices need malpractice insurance?
Yes. A single accusation—valid or not—can result in costly legal fees and reputational damage. Malpractice insurance helps protect your license and your livelihood.
4. Why is Cyber Liability important for law firms?
Law firms handle sensitive and confidential data. Cyber insurance helps cover costs from breaches, ransomware attacks, data theft, and legal fallout—even if the breach stems from a third-party system or simple employee error.
5. What’s the difference between General Liability and Malpractice insurance?
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General Liability covers things like a client tripping in your waiting room.
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Malpractice covers errors or omissions in your legal work.
6. Do we need EPLI if we have only a few employees?
Yes. Employment Practices Liability Insurance protects against claims of wrongful termination, harassment, discrimination, and retaliation. These claims are on the rise and often cost thousands to defend—even for small teams.
7. How do we insure staff working remotely in different states?
Your Workers’ Comp, E&O, and Cyber policies should reflect the actual work locations of your team members. We help law firms stay compliant and covered—especially with hybrid or remote structures.
8. Is our office equipment covered under General Liability?
No. You need Commercial Property coverage for desks, computers, scanners, law libraries, artwork, and other furnishings or tenant improvements.
9. What’s typically excluded from a standard law firm policy?
General policies won’t cover:
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Professional mistakes (you need Malpractice)
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Cyber threats (you need Cyber Liability)
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Employment disputes (you need EPLI)
That’s why bundled, tailored coverage is key.
10. How can we keep premiums manageable?
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Use client engagement letters and disclaimers
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Implement cyber hygiene and internal controls
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Conduct annual policy reviews
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Work with an independent agent who understands law firm operations (like we do)
Let’s Protect What You’ve Built
Your clients trust you with their most important matters. Let us help you protect the business you’ve worked so hard to build. Whether you’re just getting started or managing a thriving firm, we’ll guide you to the right coverage—clearly and quickly.
