Insurance Solutions for Law Firms
Professional Liability • Office Insurance • Cyber Liability • Probate & Notary Bonds
Law firms face unique risks that most insurance agents simply aren’t equipped to handle. Between malpractice exposure, confidential data, client funds, employees, leased office obligations, and court-mandated bonds, your insurance program must be intentional, precise, and specifically tailored to the legal profession.
At Oak Hill Risk Advisors, we specialize in designing custom insurance programs for attorneys and law firms—from solo practitioners to multi-attorney practices. We understand the legal profession, the risks you face, and the importance of comprehensive protection.
As an independent agency, we represent you, not the insurance company. Our role is to help you evaluate multiple carriers, compare coverage differences, and negotiate the best terms.
Insurance Policies Are Not a Commodity
Attorneys understand better than anyone that insurance policies are legal contracts, and no two are written the same.
Like any legal document, the language matters.
Exclusions matter.
Definitions matter.
Endorsements matter.
Most agents—and most buyers—treat policies as interchangeable. They aren’t.
We get into the weeds with you.
We analyze policy wording, identify hidden limitations, and help attorneys decipher the differences between seemingly similar options—so you can choose the policy that truly protects your firm.
Our focus is on clarity, transparency, and helping you make a well-informed decision.
Why Law Firms Need Specialized Coverage
Generic insurance programs are often inadequate for law firms because they fail to address:
- Malpractice exposure and prior-acts considerations
- Confidential client data and cyber threats
- Trust accounts, wire transfers, and social engineering fraud
- Leased office obligations and contract requirements
- Staff interactions, employment risks, and HR-related claims
- Professional responsibilities tied to probate and court filings
- Bonding obligations imposed by judges or clerks
We identify and correct these gaps before a claim occurs—not after.
Core Coverages for Law Firms
Professional Liability (Legal Malpractice)
The foundation of any law firm insurance program.
We help you evaluate:
- Deductible structures
- Prior acts / retroactive dates
- Claims-made vs. claims-made-and-reported
- Consent-to-settle provisions (“Hammer Clause”)
- Defense inside vs. outside limits
- Practice-area specific exclusions
Our analysis goes beyond premium—it’s about protecting your reputation, your license, and your livelihood.
Business Owners Policy (BOP)
Protects law office operations, including:
- Office contents & improvements
- General liability
- Valuable papers & documents
- Loss of income
- Slip-and-fall & premises liability
- Water damage & electrical/plumbing issues
- Lease requirement compliance
We ensure the policy aligns with your lease and property exposures.
Cyber Liability
Law firms are prime cyber targets.
Our cyber programs protect against:
- Ransomware & extortion
- Wire transfer fraud
- Email compromise
- Data breach expenses
- Client notification & regulatory penalties
- IT forensics & restoration
Cyber liability is no longer optional—it’s essential.
Employment Practices Liability (EPLI)
Covers claims involving:
- Wrongful termination
- Discrimination allegations
- Harassment complaints
- Wage-and-hour issues
- Employee disputes
A critical coverage for any practice with employees.
Workers’ Compensation
Covers injuries related to:
- Lifting heavy files
- Trips and falls
- Travel to court or client locations
- Office-related accidents
We tailor coverage to your staff structure and risk profile.
Court & Professional Bonds for Law Firms
Probate & Court Bonds
We provide fast issuance of:
- Executor & administrator bonds
- Guardian & conservator bonds
- Trustee & fiduciary bonds
- Appeal & supersedeas bonds
- Other court-directed surety bonds
We work directly with attorneys and clerks to ensure accuracy.
Notary Bonds & Online Notary Bonds
For attorneys and staff members:
- Standard notary bonds
- Online notary bonds
- A self-serve link to complete a bond in under 3 minutes
- Optional Errors & Omissions coverage
We streamline the process for your firm.
Additional Coverages for Law Firms
We also offer:
- Umbrella & excess liability
- Commercial auto & HNOA
- Crime & employee dishonesty
- Media & advertising injury
- Technology services coverage
Anything your firm needs, we can structure.
Why Attorneys Trust Oak Hill Risk Advisors
- Insurance treated as a legal contract, not a commodity
- We compare actual policy wording, not just pricing
- Independent advisor representing the client—not the carrier
- Deep expertise with probate bonds, court bonds, and notary bonds
- Advanced insurance education and professional designations
- Access to multiple malpractice and cyber carriers
- Fast, responsive service and clear communication
You’re not working with a call center—you’re working with a credentialed advisor who understands the legal profession.
Serving Law Firms Across Tennessee & the Southeast
We insure firms in:
- Tennessee
- Kentucky
- Georgia
- Alabama
- Mississippi
- Arkansas
- And surrounding states
Solo attorneys to multi-state firms—we tailor coverage to your unique practice.
Request a Confidential Coverage Review
Your law firm deserves insurance that’s clear, strategic, and correctly written.
615.538.0900
Support@OakHillRiskAdvisors.com
www.OakHillRiskAdvisors.com