Insurance for St. Louis Law Firms
What we’re flagging for law firms in 2027
Three exposures are moving faster than most firms’ programs are. A fourth one is structural, and it’s the one that costs firms coverage they thought they had.
Conflicts that weren’t run because the matter came in through a partner’s relationship. A deadline missed on a file someone was covering. Most legal malpractice claims arrive through ordinary practice, not obvious error, which is why firms rarely see them coming.
A firm’s server holds privileged material from every client it has. Encryption stops the practice; exfiltration creates notification duties to clients who may have their own regulators. Recovery cost is rarely the expensive part.
Partnership disputes, associate departures, and compensation claims fall under employment practices, not malpractice. Firms with informal management structures and no HR function are the ones that find out which policy responds, and when.
Lawyers professional liability is written claims-made. Move carriers without matching your retroactive date, or let a policy lapse between placements, and years of prior work stop being covered. This is the most common way a firm loses coverage it believed it had.
The written version goes deeper on all three, with what we’re seeing across a legal book of more than 1,300 firms.
Built for St. Louis Firms Like Yours:
Coverages We Place for Law Firms
The firm’s core policy. Reviewed for retroactive date continuity, prior acts, disciplinary proceedings coverage, and how the consent-to-settle clause is written, which matters more than most firms realize until they disagree with their carrier.
First-party recovery and third-party liability, including breach notification for client data and the forensics and legal costs that come with privileged material being exposed.
Claims from associates, staff, and partners, including the partnership and compensation disputes that a malpractice policy will not touch.
Wire fraud on a real estate closing or a trust account disbursement. Firms holding client funds are targeted specifically, and standard crime forms often exclude the transfer an employee was tricked into authorizing.
Office space, equipment, and the practice’s own records, plus business interruption when the office is unusable.
Sitting above general liability, auto, and employers liability, sized to the firm rather than carried forward from the year it was first bought.
About Liberty
Liberty has consistently been recognized as one of the most dynamic, fastest growing companies as well as one of the best places to work in the insurance industry, including being recognized as the #1 Fastest Growing Privately Held Insurance Broker in the U.S. over the past four years by the Hales Report.
Liberty is not your typical insurance broker: We are a culture-first organization, and believe “If you put people first, good business will follow.” Our goal is to clear the path of political and administrative distractions so our valued team of creators can focus on their Highest And Best Use (HABU), which is what they love to do, what they do best, and therefore, is best for all of us.
