Eagle Harbor Insurance for Lawyers, Attorneys and Law Firms

As a lawyer, you know that each case is different and deserves your special attention. As a small business owner, you deserve the same special attention and expertise from your insurance provider. The Hartford, an acknowledged industry leader, has designed an insurance plan with the unique needs of your practice in mind.

Spectrum – The Gold Standard in Business Insurance

Spectrum, The Hartford’s industry-leading small business insurance package, has a broad array of industry-specific coverages available. First, Spectrum’s core coverage is among the best in the industry. Second, you and I, as your independent Hartford agent, can determine any special insurance requirements needed by you practice.

With Spectrum’s easy-to-upgrade options and alternative packages, your business insurance package is a precise fit for your needs – so you pay only for the insurance you need.

Add the convenience of flexible premium payment plans, an electronic funds transfer plan, 24-hour toll-free claims reportings, and you can begin to see why The Hartford has been the leader in American business for nearly 200 years.

Stop worrying about choosing the right insurance coverage and trust the Hartford for sound, dependable protection against loss. You’ll be able to concentrate on your clients and what you do best – practicing law.

Who needs errors & omissions insurance?

In the litigious world we live in today, many business owners protect themselves with errors and omissions insurance (E&O). This type of insurance may be appropriate for anyone who gives advice, makes educated recommendations, designs solutions or represents the needs of others, such as teachers, consultants, software developers, ad copywriters, Web page designers, placement services, telecommunication carriers or inspectors.

To get more for your money, there are a few things to make sure you do, or don't do, when you purchase and maintain insurance for your business. Here's some guidlines for you.

Don't underinsure to get a reduced premium. If you skimp now, you could really pay later. A lower limit means less financial protection when a loss occurs.

Don't hide or misrepresent unusual risks from your agent . Sometimes a failure on your part to disclose a risk can result in a denial on the part of the insurance company to cover a loss. Better to know you're protected now, than find out later you're not.

Why you need umbrella insurance

No one really expects a disaster to strike his or her business. But every small business is vulnerable to a major catastrophe or a huge lawsuit. Think about some of the devastating losses you've heard about recently. Or the large settlements that are awarded in courts these days. Some of these losses could exceed your primary insurance coverage…unless you protect your business with umbrella insurance.

Accidents. Surprises. Losses. They all come with the territory of owning your own business. But there's no reason you have to be a "victim" of these unexpected losses, not if you take advantage of three key ways to manage your risks.