Authored by Sara Weathers

As plaintiff firms expand into new markets, multiple office locations are increasingly common. However, growth across locations may lead to unforeseen insurance gaps.

Where Problems Arise

Unlisted Locations

Most policies require all office locations to be declared. Failure to list a location may result in incomplete coverage.

Inconsistent Coverage

Coverage levels may differ between offices, particularly when locations are added at different times.

Equipment & Assets

Technology assets and case files distributed across offices may not be fully accounted for in existing policies.

Local Risk Differences

Each office may encounter unique risks, such as varying weather conditions or local crime rates.

Why It Matters

A loss at a single location can affect the entire firm, particularly if it involves key personnel or critical files.

How to Stay Protected

• Keep an updated record of all office locations.
• Ensure consistent insurance coverage across all offices.
• Regularly review property values and risk factors for each location.
• Verify that business interruption coverage accurately reflects multi-location operations.

Growth Requires Coordination

Expanding your firm is a positive development, but your insurance program must provide appropriate coverage.

Each new office brings both opportunity and additional risk. Properly covering all locations is essential to safeguarding your entire firm.