Im a lawyer. I have office insurance. Why do I need Malpractice Insurance? 
Lawyers generally purchase a Business Owner Policy or BOP to protect their office from liability claims arising from operating an office . A BOP is appropriate for a sole proprietor or small partnership law firm . If the lawyer office is multiple states and multiples cities with complex property values and lease requirements , it is more likely to be insured with a CPP or Commercial Package Policy . No matter if its a BOP or CPP , the same exclusion applies to the general liability section of both policies . It reads as follows `` We '' do not pay for `` bodily injury '' or `` property damage '' arising out of the rendering or the failure to render a professional service . A lawyer 's work is a professional service . Accordingly , claims arising out of those professional services will not be covered . To plug this gaping hole in your insurance , you need a Lawyer Professional Liability Policy . The cost of Lawyer Professional Liability Insurance can vary widely based on your location , your areas of practice , the number of attorneys covered and the number of years youve purchased malpractice insurance . I hope I 've answered your question . If not , feel free to call , fax or email me . Kevin P. Foley , CPA , CPCU PFT&K Insurance Brokers T 877-414-2031 F 877-405-3025 E kpfoley -LSB- at -RSB- kpfoley -LSB- dot -RSB- com W www -LSB- dot -RSB- kpfoley -LSB- dot -RSB- com 