Most of Florida’s lawyers professional liability insurers are commercial companies that focus on increasing the wealth of their investor stockholders.
We are a mutual company, not a commercial company.
Our company is owned entirely by our member lawyers. When you buy a Florida Lawyers Mutual policy, you join our family of owners, you vote for the members of our Board, and you enjoy our many Member Benefits (including an extensive library of free CLE, plus a cyber liability endorsement added to your policy at no cost). You have direct communication with Florida-based Underwriters and Claims Specialists who know you, understand your practice, and care about your reputation. We exist to serve our members and the state’s legal community, not the bottom line on the commercial carrier’s financial statement.
We were created by The Florida Bar.
In the 1980s, Florida’s legal community faced a crisis: professional liability insurers were pulling out of the legal market, leaving lawyers and their clients exposed. Recognizing the problem, The Florida Bar created Florida Lawyers Mutual so lawyers like you would have a reliable source for high-quality Lawyers’ Professional Liability (LPL) insurance. Today, we exist as a mutual company: separate from The Florida Bar, owned by our member lawyers. We continue to actively support The Florida Bar’s outreach in education, professionalism, and diversity. We are proud to be an Approved Member Benefit of The Florida Bar.
Lawyers’ professional liability insurance is all we do.
Most of the commercial companies in Florida, through agents, sell numerous lines of insurance. In many cases, professional liability insurance is offered as an add-on incentive so you’ll buy their other insurance products too. But legal malpractice insurance is too important to be treated as an afterthought or a bonus. Even an unwarranted claim can derail your practice, and your reputation is on the line. It’s important that your insurer understand Florida lawyers’ professional obligations inside and out. At Florida Lawyers Mutual, we’ve been doing it for over 30 years. In fact, we’ve never done anything other than provide Errors & Omissions insurance and superior claims service to Florida lawyers like you.
We stay in the market.
Even today, commercial insurers leave the market when conditions become unfavorable. Florida Lawyers Mutual doesn’t do that. Since incorporating in 1987, Florida Lawyers Mutual has stood as a solid rock for Florida Lawyers. You can count on us because we’re here to stay.
AM Best has awarded us an A rating for Excellent Financial Strength.
The coveted A rating isn’t easy to come by and not all insurance companies have it, but Florida Lawyers Mutual has enjoyed that status for well over a decade. Our company is well capitalized with sufficient financial assets to weather any storm. Additionally, we partner with top reinsurers to provide additional protection and confidence to our insureds.
We’re owned, operated, and managed by Florida lawyers like you.
Florida Lawyers Mutual values the lawyer’s perspective. Every member of our management team and Board of Directors is a current or former lawyer, including several past presidents and a previous executive director of The Florida Bar. Additionally, we have lawyers working in our Marketing, Administration, and Claims departments. We understand what it means to meet Florida’s standard of care in the real-world, 21st century practice of law.
Florida is our whole world.
Wherever you are, we’re not far away. Because we limit our policies exclusively to lawyers practicing in Florida, we’re able to focus on the coverage you need. Our offices are centrally located in the town of Oviedo, just outside Orlando in Central Florida. Our directors are located throughout the state, and we partner with voluntary bar associations from coast to coast, north to south.
We give our members dozens of FREE CLE hours & other resources.
Only Florida Lawyers Mutual members have access to an exclusive portal of free online resources, including hours upon hours of free CLE for Florida lawyers, free risk management materials, and much more. You’ll also enjoy access to our free Risk Management Hotline.
If a claim is filed against you, our in-state and deeply experienced Claims Specialists will personally handle your case.
Facing a claim can be scary and uncertain. The last thing you want is to be transferred to an out-of-state stranger in another state. Unfortunately, that’s exactly what happens with many of the larger commercial providers. But at Florida Lawyers Mutual, we know that alleged malpractice is personal. We treat it that way. If you find yourself facing a claim, we’ll give you the personalized, real-human-being support you need and deserve.
We’re the only direct-write legal malpractice insurance company in Florida.
You don’t have to buy a policy through an independent agent or broker. Talk to our underwriters directly. Get to know them. They’re here to help you get the coverage that makes sense for you and your firm.
Solo practitioners & small and mid-sized law firms are welcome.
Legal malpractice insurance companies don’t always want to insure (or will surcharge) solo and small firm law practices. Why? Statistically speaking, they’re the most likely to incur a claim. But for more than 30 years, Florida Lawyers Mutual has consistently stood as an ally to Florida’s solo, small, and mid-sized law firm population. We want to do business with you. In fact, we are among the most active supporters of Solo & Small Firm education and programming in the state. We listen to our members in small firms and work to meet their educational, insurance, and risk management needs.
Ours is an aggregate deductible.
Some lawyers’ professional liability policies require you to pay your deductible on each and every claim made during the policy term (a “per-claim deductible”), whereas Florida Lawyers Mutual policies feature an aggregate deductible.
Higher-quality policy features make all the difference.
Florida Lawyers Mutual offers terms and features you might not find with other policies, including Defense Outside the Limits and First-Dollar Defense. If you’re like many lawyers, these are terms you might not have encountered before, but they make a big difference. Learn more.
We want to build a relationship with you.
Florida Lawyers Mutual is known for its unique culture. We are a small team of passionate, personable professionals. We’re good at what we do, and we believe in our mission. Just as importantly, we care about each other and about the lawyers we ensure. Not a week goes by without the words “relationship,” “trust,” and “loyalty” on our lips. Our company was created with those values as part of our ethos. We stand by our members.
We’ve built our reputation by vigorously defending yours.®
For more than thirty years, Florida lawyers like you have associated the name Florida Lawyers Mutual with integrity and good standing.
We work with experienced defense counsel.
If and when the time comes to bring in outside counsel on your claim, you can count on Florida Lawyers Mutual to engage experienced Florida professional liability law & legal malpractice defense lawyers to represent you. We only work with seasoned defense attorneys who have a strong reputation for defending lawyers.
Cyber liability coverage is a standard feature.
We automatically include $50,000 of cyber liability coverage as a standard feature of all our policies, with an option for increased limits.
Some lawyers qualify for premium discounts.
Attorneys who have been Board Certified by The Florida Bar qualify for a 10% premium discount. We also offer premium discounts to lawyers who practice in low-risk practice areas and who have a claims-free history.
Our company is committed to diversity.
Since incorporating since 1987, Florida Lawyers Mutual has practiced its core values of diversity, inclusiveness, and equal treatment and justice for all people. We work with our bar partners to promote diversity in Florida’s legal community.
Recommended by local voluntary bars as their preferred lawyers’ professional liability insurer.
We are proud to be the recommended lawyers’ professional liability insurer for members of: Florida Association for Women Lawyers, Virgil Hawkins Florida Chapter National Bar Association, Dade County Bar Association, Broward County Bar Association, Orange County Bar Association, Jacksonville Bar Association, Palm Beach County Bar Association, Hillsborough County Bar Association Lawyer Referral Service. No other provider is as widely recommended within Florida’s bar community.
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