Lawyer Professional Liability Insurance

Providing Legal Liability Insurance in Austin, Round Rock and All of Central Texas

Let Sunstone Insurance Agency tailor an insurance program as unique as your law firm.

Not all law firms are the same, and their insurance shouldn’t be either. Professional liability insurance policies contain many unique provisions that can drastically affect the way the policy responds to a claim situation. Let us help tailor a program that addresses your firm’s risk exposure and tolerance.

Just an allegation of malpractice, and the obligation to defend it, can be costly. You have worked hard to grow your practice and your firm. Protect it with robust lawyer’s errors and omissions insurance coverage.

Want an insurance agent that understands the practice of a law firm? Rhett Braniff, President of Sunstone Insurance Agency, has been a practicing lawyer for over 15 years. Having had both a civil and criminal practice, he knows the ins and outs of the practice of law. Now he puts his experience to work for you.

Multiple Markets

Sunstone Insurance Agency has access to multiple carriers writing lawyer E&O insurance. Multiple carriers means competition for your business, which means better value for your firm.

Losing Coverage?

Our Agency has experience navigating the uncertain waters of non-renewal and cancellation. Since professional polices are “Claims Made” policies, you need to be able to make an educated decision about tail coverage and prior act coverage.

CIC and JD

Rhett Braniff is a practicing lawyer, and a Certified Insurance Counselor. Who better to examine the intricacies of a professional liability policy than a lawyer that has also achieved the prestigious CIC designation?

Unique Policy Forms

Not all professional liability policy forms are alike. Do you know what you are buying? We take the time to read the policy forms and highlight provisions that may impact your firm. Let us analyze your current coverage, and make sure your firm is protected.

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Important policy provisions in your law firm’s legal malpractice policy

First Dollar Defense

One effective way to keep premium down is to have a higher deductible. At the same time, you may not want to have to pay out the entire deductible as soon as you make a claim. First dollar defense allows the cost of the defense to be borne by the carrier, and the deductible applies to damages only.

Hammer Clause

A “Hammer Clause” or consent to settlement clause is a provision that allows for the carrier to force the insured to take a settlement if the carrier thinks it is the best course of action. In the event of the insured not agreeing to the settlement, the carrier may not be obligated to pay in excess of the proposed settlement amount.

Policy Limits

Policy limits can be set to meet your firm’s needs. The typical limits of Liability in a professional liability policy can be set as low as $100,000 per claim and $300,000 in the aggregate to up to $2,000,000 per claim and aggregate.

Deductible

Increasing the policy deductible can be a very effective tool in controlling premium costs. The higher deductible the firm is willing to have, the lower the premium will be. Typically, a deductible will range from a few thousand dollars, up to $20,000. Being able to cash flow the first $20,000 of a loss can result in significant premium savings.

Cyber Liability

Many professional policies contain provisions for “cyber” liability or network/data breach protection. These generally afford a level of liability protection to third parties. It is usually not an additional premium expense, yet some professional liability policies do not contain these provisions.

Disciplinary Proceedings

Many attorney malpractice policies provide some level of coverage for hearings before the State Bar. Defending a client grievance, like a lawsuit for malpractice, can be costly. This is not a fixture in all policies.

Looking for a single agency to handle all of your firm’s insurance policies?

Learn more about Sunstone Insurance Agency’s Comprehensive Attorney Insurance Package

Knowledgeable and Experienced

JD, CIC, CISR

Our team has the experience, training and expertise to assist you. Our team features a practicing attorney, a Certified Insurance Counselor and a Certified Insurance Service Representative in the works.

Our team has over 16 years of insurance experience and over 17 years of legal experience.

We pride ourselves on continuing education and constantly improving our practice. Let us show you how we can put this to work for your firm.

Dedicated and Versitile

Small agency touch, large agency reach

We are a locally owned and grown insurance agency. We acquired each and every customer organically, and each one is important piece of our agency.

We have the ability to give you the attention and service you do not see from a larger brokerage. At the same time, we have access to multiple carriers to make sure our clients are seeing the same policy options they would receive from any other agent.

It is what makes us unique, just like your law firm. Come experience the Sunstone Insurance Agency advantage.

Marissa Brinkman
Marissa Brinkman
21:48 18 Feb 20
Rhett and Debbie are efficient, friendly, and informative! They have excellent customer service and a very quick turnaround.
Cindy Brummer
Cindy Brummer
23:36 17 Feb 20
Rhett, Debbie, and the team at Sunstone are my go-to. They make sure I have the right amount of coverage for my company and that I'm not overpaying. When I need documents or have questions, they are quick to respond and help me. For example, when I needed to increase cyber coverage last year, they did the research quickly, let me know my options, made a recommendation, and we were able to increase coverage. Even better bonus -- the increase wasn't as much as I had expected. Woo-hoo!
William Hines
William Hines
18:27 21 Sep 15
I highly recommend Rhett Braniff for you insurance and risk management needs.I have known Rhett for a long time, so I trusted him with my insurance. Insurance for my business is important to me, and I wanted to make sure I was properly covered. When my policies were coming up for renewal, I asked Rhett to review them. After looking them over, Rhett was able to identify some key areas of my coverage that needed attention. He presented me with several options that allowed me to get great coverage that fit our budget. I secure with my insurance, and I didn’t have to spend a lot to do it.Most of all, Rhett made it easy. He broke down the various coverage areas in easy to understand language, and was able to answer all of my questions. Rhett was sensitive to my time constraints, and didn’t unnecessarily burden me with the process.I recommend Rhett for all your personal or commercial insurance needs.

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