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Florida Lawyers Mutual Insurance Company

Florida Lawyers Mutual Insurance Company

Legal Malpractice Insurance, Born from the Bar

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  • Policies
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FLMIC Policy Features

STANDARD POLICY

OUR STANDARD POLICY INCLUDES:

  • Defense Outside the Limits (25% of the per-claim limit, subject to a maximum of $1,000,000)

Defense Outside the Limits helps pay the cost of defending a claim made against the insured so the cost of defending your case does not erode your policy limits available to pay settlements or judgments resulting from a covered claim. See policy terms and conditions for details.

  • First Dollar Defense

First Dollar Defense is a feature that applies the deductible toward indemnity costs rather than defense costs. With this feature, the policyholder does not pay a deductible toward the costs of defending a claim.

  • Aggregate Deductible

An aggregate deductible is assessed on a cumulative basis, rather than on a per-claim basis. This means that a FLMIC policyholder pays their deductible only once per policy, not each time a claim is made under the same policy.

  • No Deductible for Claims Arising from Pro Bono Work

FLMIC waives the deductible obligation for claims arising from Pro Bono legal services.

  • Disciplinary Proceeding Coverage (up to a maximum of $10,000)

Disciplinary Proceeding Coverage pays the expenses required to defend an insured attorney when a state bar association or regulatory agency brings disciplinary proceedings against him or her. See policy terms and conditions for details.

  • Trial Attendance Compensation

FLMIC will pay the Insured a loss of earnings allowance when the Insured attends a trial at our request. Please see Insuring Agreement for additional details.

  • Personal Injury Coverage

Provides coverage for certain negligent acts while performing legal services. Includes malicious prosecution, abuse of process, defamation, false imprisonment, and wrongful eviction.

  • Innocent Insured Coverage

Innocent Insured Coverage protect innocent attorneys from losing coverage when another lawyer at the firm commits a wrongful act that may not be covered under the policy due to certain policy terms and conditions.

  • Paralegal and Non-Attorney Staff Coverage

Coverage for non-lawyers for services performed in the course and scope of employment with the insured firm.

  • Of Counsel Coverage

Any lawyer serving as “of counsel” to the Named Insured.

  • Arbitrator/Mediator Coverage

Coverage for services provided by an Insured on behalf of the Named Insured as an arbitrator, mediator, special master or hearing officer.

  • Title Agent Coverage (excludes title agencies)

Coverage is provided for attorneys who perform title agent services through their law firm. Coverage not available when acting as a title agent for a separate entity.

  • Cyber Liability Coverage

Coverage is provided in the event of a cyber breach where the integrity, security or confidentiality of information is at risk of a potential security threat.


Policy features are subject to all terms and conditions of the policy.


IN ADDITION, WE OFFER:

  • Premium Credit for Claim Free History and Low Risk Practice Areas
  • 10% Premium Discount for Florida Bar Board Certified Attorneys

ADDED BENEFIT OF FLPL E-JD™

OUR CYBER LIABILITY COVERAGE INCLUDES:

  • Multimedia Liability Coverage
  • Security and Privacy Liability Coverage
  • Network Asset Protection Coverage
  • Cyber Extortion & Terrorism Coverage
  • One-Call Claims Support
  • Nationwide Privacy Breach Notification Services
  • Fine and Penalties Coverage
  • Risk Management and Training Resources

Please see the FLPL E-JD™ terms and conditions for details.

Visit Our Insurance Glossary to Learn More

A legal malpractice claim can stop your practice in its tracks.

Get protected. Get FLMIC.

Apply Now

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Company Profile

In the 1980s, lawyers in Florida faced a crisis: legal malpractice insurance carriers were fleeing the market, leaving lawyers and their clients exposed.

That's why The Florida Bar created FLMIC. Today, we exist as a mutual company owned exclusively by our insured lawyers — born from the Bar but an entity all our own, designed specifically for you.

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  • Home
  • About Us
    • How We’re Different
    • Our Story
    • Our Mission
    • Our Team
    • Our Board
    • Our Bar Partners
    • Annual Reports
    • COVID-19 Operations Update
    • Contact Us
  • Policies
    • What Is LPL Insurance?
    • FLMIC Policy Features
    • Cyber Liability Increased Limits Program
    • Legal Malpractice Insurance Glossary
    • Application & Forms
  • Risk Management
    • COVID-19 Resource Center for Florida Lawyers
    • Cyber Risk Management White Papers
    • Risk Management Hotline
    • FL Lawyer Risk Alerts
    • Extensive Risk Management Resource Library: FLMIC+
  • CLE
    • Free CLE for Florida Lawyers
    • Complete CLE Library for Insureds: FLMIC+
    • Need a Speaker?
  • Claims
    • Who to Call
    • Claims FAQs
    • Claims Repair Program
    • Report an Incident or Claim
  • Blogs
    • Sunny Decisis™: The Lifestyle Blog for Florida Lawyers
    • Risk Management Blog
    • Risk Alerts
    • Cyber Liability Articles
    • FLMIC News
    • FLMIC Events
    • Videos
  • Make Payment
  • Apply

Privacy Policy

Florida Lawyers Mutual Insurance Company respects your privacy. Learn more.

Website Terms of Use.

Florida Lawyers Mutual Insurance Company

We've built our reputation on vigorously defending yours.®

P: 800-633-6458

F: 800-781-2010

mailbox@flmic.com

541 East Mitchell Hammock Road
Oviedo, FL 32765

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