Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 2, 2026.
GENERAL LIABILITY
Law Office $20/month for general liability
WHY IT MATTERS
Why Law Office need business insurance
A law office may face client allegations, visitor injuries, employee incidents, and damage to business property. The right coverage mix helps address these risks without treating every exposure as the same.
SCENARIO 1
A client alleges a professional error
A client claims a missed deadline or incorrect filing caused financial harm. Professional liability insurance may help with defense costs and covered damages tied to the alleged error.
SCENARIO 2
A visitor is injured at the office
A client slips in the reception area and files a claim. General liability insurance may help with covered medical expenses, legal costs, and damages.
SCENARIO 3
Office equipment is damaged
A covered event damages computers, furniture, or other business property. Commercial property insurance may help pay to repair or replace covered items.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Areas of practice
Complex or higher-stakes legal work can create greater professional exposure and move a professional liability quote higher.
Revenue and client volume
More revenue or a larger volume of client matters can indicate greater exposure and raise the cost of relevant coverage lines.
Employees and payroll
A larger team or higher payroll can increase workers' compensation costs and affect other coverage lines.
Claims history
Recent or frequent claims can lead to higher quotes, while clear loss details help carriers evaluate what happened.
Coverage choices
Adding coverage lines, selecting higher limits, or choosing lower deductibles can increase the total yearly cost.
Property and business vehicles
More office property, additional locations, or business-owned vehicles can increase exposure and add separately priced coverage needs.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: $100K–$499K
National data
National rate factors
Rates and requirements vary by state and by carrier, even for law offices with similar operations.
State and carrier requirements
The states where the firm operates can affect available terms, required coverage, and how carriers review the application.
Where employees work
Office-based, remote, and multistate teams can create different workers' compensation and business property considerations.
Office location details
Building type, security features, and surrounding property exposures can influence commercial property and general liability pricing.
342
Quotes analyzed
40
States represented
6
Coverage lines
BEST RATE
How to get the best rate
Describe your practice accurately
List each area of law and explain any work that falls outside the firm's main practice so carriers can evaluate the actual exposure.
Update business records
Gather current revenue, payroll, employee counts, property values, and vehicle information before requesting a quote.
Document risk controls
Keep written procedures for conflicts checks, deadlines, file review, cybersecurity, and client communications.
Review contracts and coverage
Check client, lease, and vendor agreements for insurance terms, then choose limits and deductibles that fit those obligations.
FAQ
Common questions
What types of business insurance should a law office consider?
The right mix depends on the firm's work, staff, property, vehicles, and contracts. Common considerations include professional liability, general liability insurance, commercial property, workers' compensation, cyber liability, and commercial auto insurance.
Does general liability insurance cover mistakes in legal work?
General liability insurance generally does not address claims that legal services caused a client's financial loss. Professional liability insurance is designed for covered allegations involving professional errors, omissions, or negligence.
Does a solo law office need business insurance?
A solo law office may still need coverage because client allegations, visitor injuries, property damage, and cyber incidents can occur without employees. The appropriate policies depend on how and where the attorney works.
Is business insurance required for every law office?
Not every coverage is universally required. Requirements vary by state and by carrier, while leases, client agreements, and other contracts may set their own insurance terms.
How can a law office request a business insurance quote?
At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work. One quick form.