Professional Insurance Experts

⚖️ THE MYTH BUSTER ⚖️

Think your malpractice policy covers everything you say or do as a lawyer?
It doesn’t.

→ Client advice = Lawyers Professional Liability (LPL)
→ Books, blogs, YouTube tips = Media Liability
→ Public statements or ads that spark defamation claims = General Liability
→ Misdirected wire or mishandled client funds = Crime / Fidelity coverage
→ Client data breach or leak = Cyber Liability

Only when there’s a client–lawyer relationship does malpractice insurance usually apply.

Everything else? You need different coverage.

The firms stacking LPL + Media + GL + Crime + Cyber aren’t just insured… they’re untouchable.

When’s the last time your broker called to say…

“Hey — your insurance price went down this year”?

I’ll wait.

Meanwhile, 8 of our clients got that call last week.

Same insurance market.
Different strategy.

Night Shift Realism...

He stayed up chasing deadlines.
What he missed cost him $1M.

It wasn’t bad design — it was exhaustion.

Pressure makes smart people overlook simple things.
And in this business, one simple thing is all it takes.

Because stress doesn’t excuse exposure.
And insurance doesn’t just cover risk —
it covers being human.

💥 Your Vendor’s Cyber Policy Might Not Protect You

3,000 data breaches happen every single day.
Average cost per incident? $4.8 million.

Most companies assume their vendor’s cyber insurance automatically covers them.
It usually doesn’t.

Here’s why:
👉 You’re not listed as an Additional Insured
👉 There’s no waiver of subrogation
👉 Coverage ends when the contract does

If your vendor gets hacked, you could still be writing the check.

The fix:
Treat cyber coverage like you treat indemnity or GL clauses — with teeth.

When negotiating, simply say:

“Please add us as an Additional Insured on your cyber policy,
with Waiver of Subrogation and Primary & Non-Contributory wording and provide a certificate confirming it."

And here’s the smart move most firms miss:
🔒 Even if you’re listed on the vendor’s policy, get your own cyber policy.
That way, if their insurer denies the claim (and they often do), you’re still protected — and in control of your response.

Because cyber attacks aren’t a matter of if.
They’re a matter of who ends up footing the bill.