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Managing Your Coverage

Insurance can be confusing. Below are some frequently asked questions and answers to help you better manage your coverage. If you still have questions, please click on the "Contact Us" link on the right and we will be happy to answer your questions directly.

For most firms that submit a fully completed application along with a copy of their letterhead, we will provide the quote in 24 to 48 hours. Larger firms or firms that request high limits may take a little longer. The key step in achieving a quick turn-around is to fully answer each question on the lawyers professional liability application.

The specimen copy is available upon request. The easiest way to get the copy is to ask your GilsbarPRO sales representative who will immediately e-mail it to you.

There are two options. You may pay the full premium or sign a premium finance agreement. Several alternatives for the financing may be selected, but the most frequently used is a 10% down payment plus 10 monthly payments.

Once you accept the quote and we receive your payment, we will immediately write your attorneys malpractice insurance policy. If you would like to receive the Declarations Page that same day, simply request that and we will e-mail (preferred) or fax it to you.

You will need to send us written notification of the new or additional location, along with a copy of the new letterhead that reflects the change.

Legal malpractice insurance claims should be reported in writing directly to CNA. If you have received suit papers, these should be sent along with a detailed letter of explanation from a partner or principal of the firm. If suit has not been filed or if the papers are not yet available, you should submit the written description with all known details, (i.e. the client, the specific act or omission, the dates and all persons involved, how you learned of the claim and any facts that you consider particularly important). Send this submission to:

CNA Insurance Companies
Lawyers Professional Liability Claims
CNA Center: 333 S. Wabash, 39 South
Chicago, IL 60685

The CNA lawyers professional liability policy allows these changes during the policy year, without the need for interim reporting. The only requirement is that the roster be completely up-to-date when the renewal application is submitted. New lawyers will need to complete a new lawyer form and these can be submitted with your renewal application. However, many firms find that it is easiest to get the new lawyer to complete the form on the day he joins the firm and they therefore make it a practice to submit the form to us when the hire is made. We appreciate this practice, and it serves to make your completion of the renewal attorneys malpractice insurance application a little easier.

There are two reasons. First, your application along with any other information that you provide to the insurance company becomes part of your policy. The legal malpractice insurance policy is issued in reliance upon your representations. You certainly will want that information to be both current and accurate. Second, every firm’s premium is individually computed using multiple factors that can change from year to year.