Authored by Sara Weathers

Law firms face risks that extend far beyond the courtroom. While most firms carry standard coverage, hidden insurance gaps could leave you exposed when the unexpected happens. Here are five of the most common blind spots:

1. Professional Liability (Malpractice)

Even seasoned attorneys can face claims of errors, omissions, or negligence. Professional liability insurance is essential—but make sure your coverage limits match the size and scope of your practice.

2. Cyber Liability

Client data is a prime target for hackers. Cyber liability coverage helps recover costs from phishing scams, ransomware, and data breaches, which are risks not covered under general property policies.

3. Employment Practices Liability

Claims of discrimination, harassment, or wrongful termination are increasingly common. Employment practices liability insurance (EPLI) helps protect your firm from these internal risks.

4. Flood & Natural Disasters

Standard property insurance often excludes flood damage. If your firm operates in a high-risk zone, additional flood or disaster coverage can prevent costly gaps in protection.

5. Business Interruption

If your office must close after a fire, storm, or other covered event, business interruption insurance can cover payroll, rent, and other expenses while recovering.

An annual insurance review can help uncover these hidden vulnerabilities and protect your firm. Don’t wait for a claim to discover where your coverage falls short.

Need help with your insurance review? AdvoCap Insurance is here to help!