January-February 2013

Issue link: http://ailahub.aila.org/i/112027

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Page 37 of 55

BUSINESS/PERSONAL NEEDS GET COMPETITIVE RATES THROUGH AILA���S PROFESSIONAL LIABILITY INSURANCE PROGRAM T he Hanover Insurance Group offers AILA members professional liability insurance that covers errors and omissions committed during the practice of law. It covers all attorneys in a firm, independent contractors, those who serve as ���of counsel,��� and non-lawyer employees, including representatives accredited by the Board of Immigration Appeals. ���At The Hanover, we know that our insured attorneys consider their reputation as one of their most valuable assets,��� said Gayle Wissinger, lawyers professional liability product manager at The Hanover Insurance Group. ���We understand the risks and issues surrounding their business and livelihood, and have designed a customizable program to protect those needs.��� What You���ll Pay Premiums are determined by a variety of factors, such as the location of the firm, the limit and deductible selected, the type of risk management practices within the firm, disciplinary experience, and the areas of practice. Some practice areas are more likely to generate claims, so attorneys who engage in these practices will pay a higher premium. Once a policy is underwritten, the premium would typically not be 38 V OICE A Satisfied Customer I first purchased the AILA Lawyers Professional Liability Insurance in 2003. The next year, the insurance came in handy when I had to retain a defense attorney to respond to a bar complaint (as opposed to when such complaint finally would go to hearing years later). In my state of Washington, 80 to 200 of the 2,000 bar disciplinary actions per year (out of 28,000 Washington attorneys) are against immigration attorneys (mostly against the 40 removal defense attorneys; there are 412 members in AILA���s Washington Chapter). The AILA Professional Liability Insurance adjusted until the time of renewal, said Wissinger. ���So if the insured, perhaps, brings in an associate lawyer some time during the policy term, we���re not going to make an additional charge for that lawyer until we get to the renewal and then we will add them to the policy,��� she explained. Additional Coverage The policy provides additional benefits, including a $50,000 supplemental limit for defense of disciplinary complaints. ���This typically involves assisting the insured lawyer with his [or] her initial written response to the complaint, as well as representing the lawyer during any hearings to determine guilt and appropriate sanctions,��� Wissinger said. Other benefits include a $50,000 supplemental limit for defense of employment practices claims, and reimbursement for income lost during time spent defending the claim in a deposition, trial, etc. This protection is a differentiator for The

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