Obviously, the higher the deductible you are willing to assume, the better the rates will be. Your geographic area and the litigation atmosphere in your locale. Be aware that you may experience problems, in that you may be classified in a higher or lower risk group than you actually are. For example, if you practice in a rural area, you may nevertheless be limped together with lawyers in urban areas of your state, placing you in a higher risk group. Try to find out into which risk pool you fall and, if you fall within a higher risk group than you should, do what you can to be placed in a lower risk group.
Some companies offer premium reductions for firms with more attorneys.
Law office management. Some Companies may allow premium credits if the law firm has instituted malpractice prevention controls, such as an effective docket control system. The underwriting criteria used by insurance companies vary. The following criteria are examples. Sample Insurability Criteria 1.