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LEGAL MALPRACTICE INSURANCE REPORT
STATISTICS SECTION
2017
JUNE 2018
MISSOURI
MISSOURI
LEGAL
MALPRACTICE
INSURANCE
REPORT
2017
Department of Insurance, Financial Institutions & Professional RegistrationStatistics Section
June 2018
Also Available from DIFP
Reports: The following reports are also available:
Missouri Market Share Report
Missouri Real Estate Malpractice (Closed Claim Report)
Missouri Legal Malpractice (Closed Claim Report)
Missouri Products Liability (Closed Claim Report)
Missouri Medical Malpractice Insurance Report
Missouri Health Maintenance Organization Report
Missouri Life, Accident & Health Supplement Report
Missouri Property and Casualty Supplement Report
Missouri Commercial Liability Report
Missouri Mortgage Guaranty Report
Missouri Uninsured Automobile Report
Databases: for data requests, contact the Statistics Section at 573-751-3163. Some data are available for a fee.
Medicare Supplement Experience Data
Property and Casualty Supplement Data
Missouri Zip Code data for homeowners/dwelling fire, farmowners (dwelling only, mobile home, earthquake, and privatepassenger automobile insurance.
Many reports, including this complaint report, are available at no cost on the DIFP website, at
http://insurance.mo.gov/reports/. For paper copies, inquire with the Statistics Section at the above number.
The Department of Insurance, Financial Institutions & Professional Registration is an Equal Opportunity
Employer.
DEFINITION OF TERMS
Indemnity Paid: The sum of all payments made during the year for the benefit of insurance
claimants, before reinsurance has been ceded and/or assumed. These payments include amounts paid
in the current year for claims arising from coverage in prior years and exclude amounts which will be
paid in future years for claims arising from the current year. Hence, this item is not a measure of the
actual cost of current coverages, but only of current cash flows.
Loss Adjustment Expenses: The cost involved in an insurance company’s adjustment of losses
under a policy.
Direct Premiums Written: The dollar amount charged when a policyholder contracts for insurance
coverage before reinsurance has been ceded and/or assumed.
Direct Premiums Earned: The part of premium attributable to the coverage already provided in a
given period before reinsurance has been ceded and/or assumed.
Direct Losses Incurred: The sum of direct losses paid plus an estimate at the close of the year of
the amounts to be paid in the future for all claims arising from the current and all prior years, minus
the corresponding estimate made at the close of business for the preceding year. Incurred losses
reported include estimated amounts unpaid for incurred-but-not-reported (IBNR) claims.
Loss Ratio: The dollar amount of direct losses incurred divided by the dollar amount of premiums
earned for the particular line of business being analyzed, expressed as a percentage. This is an
accounting representation of the portion of each premium dollar which is needed to honor a
company's promise to pay claims.
LEGAL MALPRACTICE INSURANCE REPORT
EXECUTIVE SUMMARY
This report summarizes the legal malpractice insurance experience in Missouri from 2008 to 2017.
The charts, graphs and tables in this report are limited to closed claim information and were
constructed from data collected by the Department of Insurance, Financial Institutions & Professional
Registration as required by Section 383.077 RSMo. The premium and loss data, obtained from the Missouri
Page 19 Supplement to the companies’ annual statements are presented in the final section.
In 2017, the loss ratio for legal malpractice insurance in Missouri was 44 percent. For the 10-year
period of claims closed1, 538 (25 percent) were closed with payment. Claims closed in 2017 totaled 147, a
19 percent decrease from the previous year. The average payment was $204,581.
The cost to an insurer for settling legal malpractice cases (called loss adjustment expense, consisting
of legal fees, claim adjustment costs and related items) has fluctuated over the past 10 years. In 2017, the
average loss adjustment expense for all claims closed with payment was $61,252 compared to $39,666 in
2016.
Indemnity amounts are categorized by claim characteristics, including:
Area of law in which the insured was retained by the claimant.
Major activity in which the lawyer was engaged at the time the alleged error or omission
occurred.
Alleged error or omission that was the most significant reason for making the claim.
The legal disposition of the claim at the closing date.
The number of years the insured had been in practice at the time of the alleged error or
omission.
The relationship of the insured to the claimant.
1 Claims closed may have resulted from incidents in any previous period.
By area of law, the largest share of claims closed in 2017 (31 of 147) was initiated by plaintiffs in
bodily injury/property damage - plaintiff. The largest proportion of all claims closed in 2017 under the major
activity code occurred during commencement of action or proceeding. Of all claims paid during 2017, 72
percent were settled before trial or hearing on the alleged malpractice.
Ninety-seven percent of losses in 2017 occurred among attorneys with more than 10 years of
practice. The insured’s relationship to the claimant is partitioned into four subclasses: free legal service,
non-client, member of pre-paid legal plan and client other than free service or prepaid legal plan. Seventy-
three percent of 2017 claims occurred in the category of client other than free legal service or member of
pre-paid legal plan.
Only 14 companies reported writing legal malpractice insurance in Missouri for 2017. Of these, the
Bar Plan Mutual Insurance Company was by far the largest, with over 59 percent of the legal malpractice
insurance market in this state.
This report was compiled using information submitted by insurance companies. As a result, the
accuracy of this report is dependent upon the correctness of each company’s data. Copies of this report will
be made available in Braille, large print or on audio cassette upon request. Any questions regarding this
report should be addressed to the Statistics Section, Department of Insurance, Financial Institutions &
Professional Registration, P.O. Box 690, Jefferson City, MO 65102-0690.
The Missouri Department of Insurance, Financial Institutions & Professional Registration
is an Equal Opportunity Employer
TABLE OF CONTENTS
SECTION DESCRIPTION PAGE
I TEN YEAR SUMMARY .....................................................................3
II INDEMNITY SUMMARY
Area of Law: 10-Year and 2017 Summary ..........................................9
Trends of the Top 10 Areas of Law ....................................................13
Major Activity: 10-Year and 2017 Summary ....................................25
Trends of the Top 10 Major Activity ................................................29
Alleged Errors or Omissions: 10-Year and 2017 Summary ..............41
Trends of the Top 10 Alleged Errors or Omissions .............................45
Claim Disposition: 10-Year and 2017 Summary ................................57
Trends of the Top 8 Claim Dispositions ..............................................61
Years Admitted to Practice: 10-Year and 2017 Summary ..................67
Trends of Years Admitted to Practice ..................................................71
Insured/Claimant Relationship: 10-Year and 2017 Summary ............87
Trends of Insured/Claimant Relationship ............................................81
III PREMIUM AND LOSS DATA ..........................................................85
TEN YEAR
SUMMARY
(2008-2017)
1
2
LE
GA
L M
AL
PR
AC
TIC
E E
XP
ER
IEN
CE
TE
N Y
EA
R S
UM
MA
RY
(2008
-201
7)
CL
OS
ED
CL
AIM
S
NU
MB
ER
O
F
CL
AIM
S
PE
RC
EN
T
OF
C
LA
IMS
TO
TA
L
IND
EM
NIT
Y
PA
ID
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
TO
TA
L L
OS
S
EX
PE
NS
ES
P
AID
AV
ER
AG
E
LO
SS
E
XP
EN
SE
P
AID
All
Clo
sed
Cla
ims
2,1
20
100.0
%
$74,5
37,1
23
$35,1
59
$42,2
68,1
72
$19,9
38
Clo
sed
wit
h P
aym
en
t
538
25.4
%
$74,5
37,1
23
$138
,54
5
$26,9
41,3
98
$50,0
77
Clo
sed
wit
ho
ut
Pa
ym
en
t
1,5
83
74.6
%
$0
$0
$15,3
26,7
74
$9,6
82
Cla
ims S
ett
led
Th
rou
gh
Co
urt
Pro
ceed
ing
s
188
8.9
%
$6,1
40,9
10
$32,6
64
$10,5
67,9
64
$56,2
13
Co
urt
Pro
ceed
ing
s R
esu
ltin
g in
Pa
ym
en
t 25
1.2
%
$6,1
40,9
10
$245
,63
6
$4,0
51,1
52
$162
,04
6
3
MIS
SO
UR
I L
EG
AL
MA
LP
RA
CT
ICE
IN
SU
RA
NC
E
AV
ER
AG
E P
AID
CL
AIM
20
08
20
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
AL
L C
LO
SE
D C
LA
IMS
$2
0,0
72
$2
9,9
77
$2
8,8
78
$2
7,8
69
$4
3,4
01
$1
2,1
62
$3
9,3
72
$4
3,9
75
$4
9,4
11
$8
3,5
03
CL
OS
ED
WIT
H P
AY
ME
NT
$8
4,4
53
$1
06
,32
5$1
15
,01
5$9
7,1
54
$1
86
,62
5$1
39
,59
4$1
72
,89
5$1
56
,55
0$1
45
,04
6$2
04
,58
1
$0
$3
0,0
00
$6
0,0
00
$9
0,0
00
$1
20
,000
$1
50
,000
$1
80
,000
$2
10
,000
4
MIS
SO
UR
I L
EG
AL
MA
LP
RA
CT
ICE
IN
SU
RA
NC
E
AV
ER
AG
E P
AID
LO
SS
AD
JU
ST
ME
NT
EX
PE
NS
E
20
08
20
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
AL
L C
LA
IMS
$1
7,5
76
$1
8,8
68
$2
2,2
75
$1
6,1
71
$2
8,9
32
$6
,55
8$3
1,6
66
$2
4,6
00
$1
3,5
13
$2
5,0
01
CL
OS
ED
WIT
H P
AY
ME
NT
$7
3,9
50
$6
6,9
23
$8
8,7
14
$5
6,3
73
$1
24
,41
0$7
5,2
70
$1
39
,05
6$8
7,5
74
$3
9,6
66
$6
1,2
52
CL
OS
ED
WIT
HO
UT
PA
YM
EN
T$2
3,0
55
$2
6,2
77
$2
9,7
42
$2
2,6
75
$3
7,7
00
$7
,18
3$4
0,7
42
$3
4,2
09
$2
0,4
94
$4
2,2
43
$0
$2
0,0
00
$4
0,0
00
$6
0,0
00
$8
0,0
00
$1
00
,000
$1
20
,000
$1
40
,000
$1
60
,000
5
MIS
SO
UR
I L
EG
AL
MA
LP
RA
CT
ICE
IN
SU
RA
NC
E
CL
AIM
CO
UN
T 2
008-2
017
20
08
20
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
CL
OS
ED
WIT
H P
AY
ME
NT
53
64
58
72
50
23
46
50
62
60
CL
OS
ED
WIT
HO
UT
PA
YM
EN
T17
016
317
317
916
524
115
712
812
087
TO
TA
L22
322
723
125
121
526
420
317
818
214
7
0
50
10
0
15
0
20
0
25
0
30
0
35
0
Number of Claims
6
TEN YEAR SUMMARY
&
2017 SUMMARY
BY
AREA OF LAW
7
8
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
FO
R Y
EA
RS
200
8-2
017
AR
EA
OF
LA
W
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
BI/P
D -
PLA
INTI
FF
433
141
26.2
1%
$163
,993
$2
3,12
2,94
5 31
.02%
$1
9,65
7 C
OLL
ECTI
ON
& B
ANK
RU
PTC
Y
343
75
13.9
4%
$71,
040
$5,3
28,0
30
7.15
%
$11,
061
REA
L E
STAT
E
256
52
9.67
%
$92,
522
$4,8
11,1
69
6.45
%
$10,
139
ESTA
TE, T
RU
ST
& PR
OB
ATE
24
7 67
12
.45%
$1
02,7
68
$6,8
85,4
60
9.24
%
$19,
927
FAM
ILY
LAW
23
4 51
9.
48%
$1
21,3
40
$6,1
88,3
62
8.30
%
$13,
784
CO
RPO
RAT
E &
BU
SIN
ES
S O
RG
ANIZ
ATI
ON
11
1 20
3.
72%
$1
76,6
60
$3,5
33,2
02
4.74
%
$22,
462
BUS
INE
SS T
RAN
SAC
TIO
N/C
OM
MER
CIA
L LA
W
86
28
5.20
%
$154
,848
$4
,335
,757
5.
82%
$6
4,10
3 W
OR
KER
S C
OM
PEN
SAT
ION
72
18
3.
35%
$2
06,3
01
$3,7
13,4
09
4.98
%
$6,8
11
CR
IMIN
AL
66
9 1.
67%
$2
3,75
0 $2
13,7
50
0.29
%
$9,6
26
BI/P
D -
DEF
END
ANT
58
14
2.60
%
$337
,751
$4
,728
,511
6.
34%
$4
6,16
6 C
IVIL
RIG
HTS
& C
OM
MIS
SIO
N
49
11
2.04
%
$149
,023
$1
,639
,250
2.
20%
$1
1,41
2 LA
BOR
LAW
44
16
2.
97%
$1
42,4
22
$2,2
78,7
54
3.06
%
$26,
257
CO
NSU
MER
CLA
IMS
24
7
1.30
%
$94,
357
$660
,499
0.
89%
$3
8,33
8 LO
CAL
GO
VER
NM
ENT
20
5 0.
93%
$2
12,2
34
$1,0
61,1
72
1.42
%
$31,
842
TAX
ATIO
N
18
5 0.
93%
$2
65,6
34
$1,3
28,1
69
1.78
%
$22,
999
CO
NST
RU
CTI
ON
(BU
ILD
ING
CO
NTR
ACTS
) 17
7
1.30
%
$275
,669
$1
,929
,684
2.
59%
$5
6,26
4 PA
TEN
TS, T
RAD
EM
ARKS
, CO
PYR
IGH
TS
14
4 0.
74%
$1
96,8
75
$787
,500
1.
06%
$1
74,6
43
SEC
UR
ITIE
S (S
.E.C
.) 10
2
0.37
%
$83,
750
$167
,500
0.
22%
$8
,114
G
OVE
RN
MEN
T C
ON
TRAC
TS &
CLA
IMS
7
2 0.
37%
$5
2,50
0 $1
05,0
00
0.14
%
$4,0
76
IMM
IGR
ATIO
N &
NAT
UR
ALI
ZATI
ON
6
2 0.
37%
$1
42,0
00
$284
,000
0.
38%
$3
,428
EN
VIR
ON
MEN
T 3
1 0.
19%
$3
30,0
00
$330
,000
0.
44%
$7
,548
AD
MIR
ALTY
2
1 0.
19%
$1
,105
,000
$1
,105
,000
1.
48%
$8
5,06
4
TOTA
L 2,
120
538
100.
00%
$1
38,5
45
$74,
537,
123
100.
00%
$1
9,93
8
9
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
CL
AIM
S C
LO
SE
D I
N 2
017
AR
EA
OF
LA
W
AL
L C
LO
SE
D
CL
AIM
S
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T
OF
PA
ID
CL
AIM
S
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
BI/P
D -
PLA
INTI
FF
31
10
16.6
7%
$96,
214
$962
,140
7.
84%
$1
5,53
3 C
OLL
ECTI
ON
& B
ANK
RU
PTC
Y
26
16
26.6
7%
$155
,420
$2
,486
,714
20
.26%
$1
2,73
5 ES
TATE
, TR
US
T &
PRO
BAT
E
24
10
16.6
7%
$117
,235
$1
,172
,353
9.
55%
$1
7,01
6 FA
MIL
Y LA
W
17
5 8.
33%
$4
73,0
00
$2,3
65,0
00
19.2
7%
$18,
461
BI/P
D -
DEF
END
ANT
7 3
5.00
%
$898
,807
$2
,696
,422
21
.97%
$5
9,40
7 R
EAL
EST
ATE
7
2 3.
33%
$2
7,50
0 $5
5,00
0 0.
45%
$1
0,36
7 C
OR
POR
ATE
& B
USI
NE
SS
OR
GAN
IZA
TIO
N
6 1
1.67
%
$222
,000
$2
22,0
00
1.81
%
$169
,743
C
RIM
INAL
6
1 1.
67%
$2
,250
$2
,250
0.
02%
$3
,326
LA
BOR
LAW
6
3 5.
00%
$9
4,66
7 $2
84,0
00
2.31
%
$15,
494
LOC
AL G
OVE
RN
MEN
T 4
1 1.
67%
$2
00,0
00
$200
,000
1.
63%
$2
8,60
5 C
ON
STR
UC
TIO
N (B
UIL
DIN
G C
ON
TRAC
TS)
3 2
3.33
%
$117
,500
$2
35,0
00
1.91
%
$37,
277
WO
RKE
RS
CO
MPE
NS
ATIO
N
3 1
1.67
%
$25,
000
$25,
000
0.20
%
$4,7
64
BUS
INE
SS T
RA
NS
ACTI
ON
/CO
MM
ERC
IAL
LAW
2
1 1.
67%
$8
5,00
0 $8
5,00
0 0.
69%
$3
8,92
9 IM
MIG
RAT
ION
& N
ATU
RA
LIZA
TIO
N
2 2
3.33
%
$142
,000
$2
84,0
00
2.31
%
$10,
000
ADM
IRAL
TY
1 1
1.67
%
$1,1
05,0
00
$1,1
05,0
00
9.00
%
$170
,127
C
IVIL
RIG
HTS
& C
OM
MIS
SIO
N
1 1
1.67
%
$95,
000
$95,
000
0.77
%
$11,
971
GO
VER
NM
ENT
CO
NTR
ACTS
& C
LAIM
S
1 0
0.00
%
N/A
$0
0.
00%
$0
TOTA
L 14
7 60
10
0.00
%
$204
,581
$1
2,27
4,87
9 10
0.00
%
$25,
001
10
TRENDS
OF THE TOP TEN
AREAS OF LAW
OF 2017
11
12
BI/PD - PLAINTIFF
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $78,484 $113,034 $253,296 $167,084 $187,901 $52,071 $308,417 $195,002 $205,214 $96,214
AVG LOSS EXPENSE $21,429 $20,034 $27,113 $30,785 $5,090 $14,515 $19,341 $16,909 $12,879 $15,533
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 55 63 52 59 35 46 29 36 27 31
CLOSED WITH PAYMENT 23 23 17 22 8 4 12 15 7 10
CLOSED WITHOUT PAYMENT 32 40 35 37 27 42 17 21 20 21
0
10
20
30
40
50
60
70
80
Nu
mb
er
of
Cla
ims
13
COLLECTION & BANKRUPTCY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $141,000 $36,254 $33,089 $42,419 $28,745 $51,000 $55,930 $22,370 $8,986 $155,420
AVG LOSS EXPENSE $45,486 $9,375 $10,038 $8,838 $12,918 $1,363 $6,885 $11,134 $5,060 $12,735
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 25 20 37 40 36 42 44 36 37 26
CLOSED WITH PAYMENT 8 4 4 10 11 1 8 6 7 16
CLOSED WITHOUT PAYMENT 17 16 33 30 25 41 36 30 30 10
0
6
12
18
24
30
36
42
48
54
60
Nu
mb
er
of
Cla
ims
14
ESTATE, TRUST & PROBATE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $34,437 $129,445 $91,435 $93,929 $60,000 $37,613 $169,616 $236,000 $51,168 $117,235
AVG LOSS EXPENSE $5,903 $22,216 $30,465 $13,834 $9,178 $2,101 $45,680 $30,732 $12,756 $17,016
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
$300,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 23 25 34 27 19 18 25 22 30 24
CLOSED WITH PAYMENT 5 7 12 8 2 2 5 5 11 10
CLOSED WITHOUT PAYMENT 18 18 22 19 17 16 20 17 19 14
0
5
10
15
20
25
30
35
40
45
Nu
mb
er
of
Cla
ims
15
FAMILY LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $78,783 $18,500 $23,244 $45,600 $36,500 $319,161 $164,743 $42,600 $61,528 $473,000
AVG LOSS EXPENSE $6,305 $2,438 $31,400 $2,037 $28,423 $6,166 $15,512 $9,110 $19,230 $18,461
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 34 20 29 26 24 29 22 15 18 17
CLOSED WITH PAYMENT 4 1 8 5 6 5 3 5 9 5
CLOSED WITHOUT PAYMENT 30 19 21 21 18 24 19 10 9 12
0
5
10
15
20
25
30
35
40
45
50
Nu
mb
er
of
Cla
ims
16
BI/PD - DEFENDANT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $0 $40,000 $27,638 $351,606 $148,333 $350,000 $0 $0 $220,104 $898,807
AVG LOSS EXPENSE $13,339 $11,600 $56,486 $1,405 $114,533 $21,826 $369,327 $0 $9,366 $59,407
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 7 8 4 6 11 8 1 2 4 7
CLOSED WITH PAYMENT 0 1 2 1 3 2 0 0 2 3
CLOSED WITHOUT PAYMENT 7 7 2 5 8 6 1 2 2 4
0
3
6
9
12
15
18
Nu
mb
er
of
Cla
ims
17
REAL ESTATE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $67,113 $21,622 $14,890 $55,315 $450,692 $26,667 $82,122 $182,750 $37,250 $27,500
AVG LOSS EXPENSE $5,916 $5,948 $10,326 $17,981 $10,015 $5,915 $11,958 $18,293 $8,268 $10,367
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 25 28 24 33 25 48 29 18 19 7
CLOSED WITH PAYMENT 5 7 2 13 4 3 7 5 4 2
CLOSED WITHOUT PAYMENT 20 21 22 20 21 45 22 13 15 5
0
4
8
12
16
20
24
28
32
36
Nu
mb
er
of
Cla
ims
18
CORPORATE & BUSINESS ORGANIZATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $47,000 $45,000 $0 $136,875 $501,219 $42,589 $0 $90,000 $105,491 $222,000
AVG LOSS EXPENSE $19,649 $4,897 $1,216 $17,063 $16,963 $1,822 $10,348 $24,269 $63,972 $169,743
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 8 5 4 14 20 27 11 12 4 6
CLOSED WITH PAYMENT 1 1 0 4 4 4 0 2 3 1
CLOSED WITHOUT PAYMENT 7 4 4 10 16 23 11 10 1 5
0
4
8
12
16
20
24
28
32
Nu
mb
er
of
Cla
ims
19
CRIMINAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $0 $3,000 $100,000 $0 $3,750 $0 $0 $10,000 $44,000 $2,250
AVG LOSS EXPENSE $4,796 $5,658 $35,555 $5,737 $8,616 $13,020 $0 $624 $6,625 $3,326
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 4 6 8 7 6 9 6 4 10 6
CLOSED WITH PAYMENT 0 2 1 0 2 0 0 1 2 1
CLOSED WITHOUT PAYMENT 4 4 7 7 4 9 6 3 8 5
0
2
4
6
8
10
12
14
16
18
20
Nu
mb
er
of
Cla
ims
20
LABOR LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $75,000 $225,000 $0 $0 $0 $130,000 $37,500 $167,333 $197,551 $94,667
AVG LOSS EXPENSE $16,650 $41,721 $11,292 $0 $113,602 $2,565 $5,105 $35,214 $34,464 $15,494
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 6 3 4 2 3 3 5 6 6 6
CLOSED WITH PAYMENT 1 1 0 0 0 1 2 3 5 3
CLOSED WITHOUT PAYMENT 5 2 4 2 3 2 3 3 1 3
0
3
6
9
12
15
Nu
mb
er
of
Cla
ims
21
LOCAL GOVERNMENT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $0 $0 $0 $418 $500,000 $0 $235,754 $125,000 $0 $200,000
AVG LOSS EXPENSE $2,948 $8,847 $0 $5,000 $174,204 $0 $8,436 $48,828 $14,109 $28,605
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 3 3 0 2 2 1 2 2 1 4
CLOSED WITH PAYMENT 0 0 0 1 1 0 1 1 0 1
CLOSED WITHOUT PAYMENT 3 3 0 1 1 1 1 1 1 3
0
2
4
6
8
10
12
14
16
Nu
mb
er
of
Cla
ims
22
TEN YEAR SUMMARY
&
2017 SUMMARY
BY
MAJOR ACTIVITY
23
24
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
FO
R Y
EA
RS
200
8-2
017
MA
JO
R A
CT
IVIT
Y C
OD
E
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
CO
MM
EN
CE
ME
NT
OF
ACTI
ON
OR
PR
OC
EED
ING
66
9 15
7 29
.18%
$1
17,5
48
$18,
454,
967
24.7
6%
$14,
316
OTH
ER
588
112
20.8
2%
$113
,801
$1
2,74
5,65
6 17
.10%
$1
2,85
6 PR
EP
ARAT
ION
, TR
ANS
MIT
TAL
OR
FIL
ING
20
4 77
14
.31%
$8
9,45
1 $6
,887
,722
9.
24%
$2
2,72
8 PR
E-TR
IAL,
PR
E-H
EAR
ING
19
0 60
11
.15%
$1
65,9
19
$9,9
55,1
56
13.3
6%
$34,
303
SETT
LEM
ENT
AND
NEG
OTI
ATIO
N
116
37
6.88
%
$168
,571
$6
,237
,110
8.
37%
$2
4,47
4 C
ON
SULT
ATIO
N O
R A
DVI
CE
10
1 28
5.
20%
$2
10,6
32
$5,8
97,7
08
7.91
%
$45,
392
TRIA
L O
R H
EAR
ING
60
20
3.
72%
$4
11,7
91
$8,2
35,8
17
11.0
5%
$43,
819
INV
ESTI
GAT
ION
, OTH
ER T
HAN
LIT
IGAT
ION
48
12
2.
23%
$5
1,08
5 $6
13,0
25
0.82
%
$18,
858
POST
TR
IAL
OR
HE
ARIN
G
41
11
2.04
%
$262
,453
$2
,886
,985
3.
87%
$2
0,16
8 AP
PEAL
AC
TIVI
TIES
34
5
0.93
%
$56,
920
$284
,602
0.
38%
$1
8,32
2 O
THER
WR
ITTE
N O
PIN
ION
34
7
1.30
%
$133
,447
$9
34,1
28
1.25
%
$24,
244
TAX
REP
OR
TIN
G O
R P
AY
MEN
T 14
5
0.93
%
$100
,549
$5
02,7
47
0.67
%
$26,
933
EXPA
RTE
PR
OC
EED
ING
S
10
2 0.
37%
$1
4,25
0 $2
8,50
0 0.
04%
$1
8,19
4 R
EFER
RA
L TO
AN
OTH
ER P
RO
FESS
ION
AL
9 3
0.56
%
$107
,667
$3
23,0
00
0.43
%
$11,
914
TITL
E O
PIN
ION
2
2 0.
37%
$2
75,0
00
$550
,000
0.
74%
$3
9,46
6
TOTA
L 2,
120
538
100.
00%
$1
38,5
45
$74,
537,
123
100.
00%
$1
9,93
8
25
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
CL
AIM
S C
LO
SE
D I
N 2
017
MA
JO
R A
CT
IVIT
Y C
OD
E
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
CO
MM
EN
CE
ME
NT
OF
ACTI
ON
OR
PR
OC
EED
ING
39
19
31
.67%
$2
08,9
97
$3,9
70,9
46
32.3
5%
$21,
476
PRE
PAR
ATIO
N, T
RAN
SM
ITTA
L O
R F
ILIN
G
28
14
23.3
3%
$88,
280
$1,2
35,9
19
10.0
7%
$17,
217
PRE
-TR
IAL,
PR
E-H
EAR
ING
20
8
13.3
3%
$279
,834
$2
,238
,672
18
.24%
$1
2,03
2 SE
TTLE
MEN
T AN
D N
EGO
TIAT
ION
17
4
6.67
%
$19,
125
$76,
500
0.62
%
$11,
415
OTH
ER
14
6 10
.00%
$4
82,5
03
$2,8
95,0
20
23.5
8%
$96,
403
CO
NSU
LTAT
ION
OR
AD
VIC
E
9 1
1.67
%
$200
,000
$2
00,0
00
1.63
%
$16,
850
INV
ESTI
GAT
ION
, OTH
ER T
HAN
LIT
IGAT
ION
6
1 1.
67%
$1
,000
$1
,000
0.
01%
$9
,710
TR
IAL
OR
HE
ARIN
G
6 3
5.00
%
$477
,731
$1
,433
,194
11
.68%
$5
2,12
8 AP
PEAL
AC
TIVI
TIES
4
2 3.
33%
$7
8,75
0 $1
57,5
00
1.28
%
$0
OTH
ER W
RIT
TEN
OPI
NIO
N
2 1
1.67
%
$45,
128
$45,
128
0.37
%
$17,
678
EXPA
RTE
PR
OC
EED
ING
S
1 0
0.00
%
N/A
$0
0.
00%
$0
PO
ST T
RIA
L O
R H
EAR
ING
1
1 1.
67%
$2
1,00
0 $2
1,00
0 0.
17%
$1
3,15
7
TOTA
L 14
7 60
10
0.00
%
$204
,581
$1
2,27
4,87
9 10
0.00
%
$25,
001
26
TRENDS
OF THE TOP TEN
MAJOR ACTIVITY
OF 2017
27
28
COMMENCEMENT OF ACTION OR PROCEEDING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $60,423 $76,562 $107,261 $93,996 $189,992 $265,000 $138,591 $105,114 $129,756 $208,997
AVG LOSS EXPENSE $10,339 $14,327 $20,172 $18,255 $5,841 $2,552 $28,793 $12,902 $12,830 $21,476
$0
$30,000
$60,000
$90,000
$120,000
$150,000
$180,000
$210,000
$240,000
$270,000
$300,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 71 63 58 73 57 97 82 56 73 39
CLOSED WITH PAYMENT 23 25 14 19 6 3 14 16 18 19
CLOSED WITHOUT PAYMENT 48 38 44 54 51 94 68 40 55 20
0
20
40
60
80
100
120
Nu
mb
er
of
Cla
ims
29
PREPARATION, TRANSMITTAL OR FILING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $47,822 $69,686 $69,568 $70,444 $97,500 $372,500 $130,832 $128,500 $60,777 $88,280
AVG LOSS EXPENSE $8,583 $20,935 $41,806 $31,049 $22,834 $18,615 $57,558 $14,451 $8,899 $17,217
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 26 23 21 23 7 12 17 14 33 28
CLOSED WITH PAYMENT 9 7 10 9 2 3 7 3 13 14
CLOSED WITHOUT PAYMENT 17 16 11 14 5 9 10 11 20 14
0
5
10
15
20
25
30
35
40
45
50
Nu
mb
er
of
Cla
ims
30
PRE-TRIAL, PRE-HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $91,000 $69,500 $72,115 $135,617 $133,817 $83,200 $292,200 $161,250 $338,496 $279,834
AVG LOSS EXPENSE $10,378 $17,793 $39,738 $30,963 $61,609 $5,815 $125,286 $83,885 $23,589 $12,032
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 25 20 19 24 26 26 12 8 10 20
CLOSED WITH PAYMENT 2 4 3 13 13 5 5 4 3 8
CLOSED WITHOUT PAYMENT 23 16 16 11 13 21 7 4 7 12
0
4
8
12
16
20
24
28
32
36
Nu
mb
er
of
Cla
ims
31
SETTLEMENT AND NEGOTIATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $145,667 $80,666 $1,463,067 $47,968 $68,000 $26,785 $282,877 $37,500 $119,143 $19,125
AVG LOSS EXPENSE $47,888 $24,886 $31,498 $2,654 $20,280 $64,926 $4,024 $6,799 $23,152 $11,415
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 18 16 9 7 9 8 6 15 11 17
CLOSED WITH PAYMENT 6 6 2 2 3 1 2 4 7 4
CLOSED WITHOUT PAYMENT 12 10 7 5 6 7 4 11 4 13
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
32
OTHER
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $22,500 $25,923 $27,447 $56,046 $180,578 $39,476 $210,421 $183,125 $48,100 $482,503
AVG LOSS EXPENSE $8,334 $2,127 $6,718 $2,312 $29,090 $3,113 $25,326 $16,372 $9,110 $96,403
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 22 61 88 91 84 102 53 45 28 14
CLOSED WITH PAYMENT 1 9 19 24 15 6 10 12 10 6
CLOSED WITHOUT PAYMENT 21 52 69 67 69 96 43 33 18 8
0
15
30
45
60
75
90
105
120
Nu
mb
er
of
Cla
ims
33
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
CONSULTATION OR ADVICE
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $324,691 $264,538 $75,000 $42,500 $1,000,000 $105,402 $64,450 $202,750 $136,000 $200,000
AVG LOSS EXPENSE $84,184 $61,045 $24,956 $22,878 $79,248 $38,425 $8,249 $85,890 $17,523 $16,850
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 15 12 11 13 7 7 5 9 13 9
CLOSED WITH PAYMENT 4 5 3 2 1 2 1 4 5 1
CLOSED WITHOUT PAYMENT 11 7 8 11 6 5 4 5 8 8
0
4
8
12
16
20
24
28
32
36
Nu
mb
er
of
Cla
ims
34
INVESTIGATION, OTHER THAN LITIGATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $25,267 $32,833 $25,000 $0 $5,000 $135,908 $0 $0 $0 $1,000
AVG LOSS EXPENSE $8,334 $11,959 $8,799 $300,210 $4,946 $804 $804 $2,164 $0 $9,710
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 13 7 2 2 5 4 3 3 3 6
CLOSED WITH PAYMENT 3 3 1 0 1 3 0 0 0 1
CLOSED WITHOUT PAYMENT 10 4 1 2 4 1 3 3 3 5
0
3
6
9
12
15
18
Nu
mb
er
of
Cla
ims
35
TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $150,000 $490,606 $29,267 $700,000 $432,500 $0 $355,000 $497,222 $0 $477,731
AVG LOSS EXPENSE $10,631 $83,873 $76,378 $7,309 $14,701 $0 $32,346 $96,035 $24,036 $52,128
$0
$75,000
$150,000
$225,000
$300,000
$375,000
$450,000
$525,000
$600,000
$675,000
$750,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 10 10 6 7 9 1 4 6 1 6
CLOSED WITH PAYMENT 1 4 2 1 4 0 2 3 0 3
CLOSED WITHOUT PAYMENT 9 6 4 6 5 1 2 3 1 3
0
3
6
9
12
15
18
Nu
mb
er
of
Cla
ims
36
APPEAL ACTIVITIES
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $0 $0 $58,000 $11,102 $0 $0 $0 $0 $0 $78,750
AVG LOSS EXPENSE $0 $45,495 $7,037 $963 $268,563 $0 $0 $666 $0 $0
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
$300,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 3 7 4 6 1 3 0 3 3 4
CLOSED WITH PAYMENT 0 0 2 1 0 0 0 0 0 2
CLOSED WITHOUT PAYMENT 3 7 2 5 1 3 0 3 3 2
0
3
6
9
12
15
18
21
Nu
mb
er
of
Cla
ims
37
OTHER WRITTEN OPINION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $0 $0 $0 $0 $500,000 $0 $38,000 $150,000 $125,000 $45,128
AVG LOSS EXPENSE $0 $0 $0 $0 $164,858 $0 $944 $39,246 $13,381 $17,678
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 0 2 1 0 2 0 15 11 1 2
CLOSED WITH PAYMENT 0 0 0 0 1 0 3 1 1 1
CLOSED WITHOUT PAYMENT 0 2 1 0 1 0 12 10 0 1
0
3
6
9
12
15
18
Nu
mb
er
of
Cla
ims
38
TEN YEAR SUMMARY
&
2017 SUMMARY
BY
ALLEGED ERRORS OR OMISSIONS
39
40
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
FO
R Y
EA
RS
200
8-2
017
ER
RO
R O
R O
MIS
SIO
N
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
OTH
ER
527
60
11.1
5%
$96,
695
$5,8
01,6
80
7.78
%
$11,
438
FAIL
TO
ASC
ERTA
IN D
EA
DLI
NE
CO
RR
ECTL
Y
265
76
14.1
3%
$160
,587
$1
2,20
4,59
9 16
.37%
$7
,936
PL
ANN
ING
OR
STR
ATEG
Y E
RR
OR
21
3 66
12
.27%
$2
12,1
27
$14,
000,
361
18.7
8%
$30,
780
FAIL
TO
KN
OW
OR
PR
OP
ERLY
AP
PLY
THE
LAW
18
0 58
10
.78%
$1
14,3
71
$6,6
33,5
24
8.90
%
$22,
913
INAD
EQU
ATE
INVE
STIG
ATI
ON
11
9 40
7.
43%
$1
49,5
58
$5,9
82,3
18
8.03
%
$33,
265
FAIL
TO
FO
LLO
W C
LIEN
TS IN
STR
UC
TIO
NS
99
18
3.
35%
$1
67,2
72
$3,0
10,9
00
4.04
%
$17,
387
PRO
CR
ASTI
NAT
ION
OR
LAC
K O
F FO
LLO
W-U
P
95
28
5.20
%
$166
,058
$4
,649
,612
6.
24%
$1
7,66
5 FA
IL T
O F
ILE
DO
CU
MEN
TS W
ITH
NO
DEA
DLI
NE
86
26
4.
83%
$4
6,74
0 $1
,215
,239
1.
63%
$1
0,63
2 FR
AUD
86
19
3.
53%
$1
11,9
61
$2,1
27,2
66
2.85
%
$40,
506
MAL
ICIO
US
PR
OSE
CU
TIO
N O
R A
BUS
E O
F P
RO
CES
S
76
18
3.35
%
$35,
824
$644
,833
0.
87%
$2
4,19
7 C
ON
FLIC
T O
F IN
TER
EST
75
25
4.65
%
$258
,254
$6
,456
,350
8.
66%
$6
9,77
7 FA
ILU
RE
TO C
ALEN
DAR
PR
OP
ERLY
67
40
7.
43%
$1
06,6
32
$4,2
65,2
73
5.72
%
$18,
515
FAIL
UR
E TO
REA
CT
TO C
ALEN
DA
R
46
22
4.09
%
$84,
355
$1,8
55,8
07
2.49
%
$12,
012
FAIL
TO
OBT
AIN
CLI
ENTS
CO
NS
ENT
42
6 1.
12%
$4
10,6
67
$2,4
64,0
00
3.31
%
$22,
275
VIO
LATI
ON
OF
CIV
IL R
IGH
TS
37
4 0.
74%
$1
01,2
50
$405
,000
0.
54%
$9
,646
C
LER
ICA
L E
RR
OR
35
11
2.
04%
$3
2,79
1 $3
60,7
03
0.48
%
$13,
505
LIB
EL O
R S
LAN
DER
17
2
0.37
%
$35,
000
$70,
000
0.09
%
$10,
299
ERR
OR
IN M
ATH
EMAT
ICAL
CAL
CU
LATI
ON
16
8
1.49
%
$41,
874
$334
,989
0.
45%
$1
6,17
1 FA
IL T
O A
NTI
CIP
ATE
TAX
CO
NS
EQU
ENC
ES
15
4
0.74
%
$373
,417
$1
,493
,669
2.
00%
$1
9,72
6 IM
PRO
PER
WIT
HD
RAW
AL F
RO
M R
EPR
ESE
NTA
TIO
N
10
2 0.
37%
$2
3,75
0 $4
7,50
0 0.
06%
$3
,415
ER
RO
R IN
PU
BLIC
REC
OR
D S
EAR
CH
9
4 0.
74%
$7
9,62
5 $3
18,5
00
0.43
%
$29,
773
LOST
FIL
E, D
OC
UM
ENT
OR
EVI
DEN
CE
4
1 0.
19%
$1
95,0
00
$195
,000
0.
26%
$9
,628
N
OT
SPEC
IFIE
D
1 0
0.00
%
N/A
$0
0.
00%
$0
TOTA
L 2,
120
538
100.
00%
$1
38,5
45
$74,
537,
123
100.
00%
$1
9,93
8
41
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
CL
AIM
S C
LO
SE
D I
N 2
017
ER
RO
R O
R O
MIS
SIO
N
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
PLAN
NIN
G O
R S
TRAT
EGY
ER
RO
R
25
9 15
.00%
$9
8,29
8 $8
84,6
80
7.21
%
$16,
568
CO
NFL
ICT
OF
INTE
RES
T 18
7
11.6
7%
$320
,191
$2
,241
,340
18
.26%
$3
8,91
9 FA
IL T
O K
NO
W O
R P
RO
PER
LY A
PPL
Y TH
E LA
W
16
7 11
.67%
$3
11,3
75
$2,1
79,6
28
17.7
6%
$11,
385
FRAU
D
14
6 10
.00%
$1
27,4
17
$764
,500
6.
23%
$8
7,02
7 FA
IL T
O A
SCER
TAIN
DE
AD
LIN
E C
OR
REC
TLY
11
9
15.0
0%
$171
,103
$1
,539
,928
12
.55%
$2
3,50
1 FA
IL T
O F
OLL
OW
CLI
ENTS
INST
RU
CTI
ON
S
10
4 6.
67%
$7
9,50
0 $3
18,0
00
2.59
%
$15,
217
INAD
EQU
ATE
INVE
STIG
ATI
ON
10
5
8.33
%
$30,
400
$152
,000
1.
24%
$2
1,25
0 PR
OC
RAS
TIN
ATIO
N O
R L
ACK
OF
FOLL
OW
-UP
8
4 6.
67%
$4
22,7
42
$1,6
90,9
67
13.7
8%
$21,
371
FAIL
TO
FIL
E D
OC
UM
ENTS
WIT
H N
O D
EAD
LIN
E
6 4
6.67
%
$81,
022
$324
,086
2.
64%
$2
2,48
5 FA
IL T
O O
BTAI
N C
LIEN
TS C
ON
SEN
T 4
1 1.
67%
$2
,000
,000
$2
,000
,000
16
.29%
$2
5,14
2 O
THER
4
1 1.
67%
$2
,250
$2
,250
0.
02%
$6
34
VIO
LATI
ON
OF
CIV
IL R
IGH
TS
4 0
0.00
%
N/A
$0
0.
00%
$4
,508
C
LER
ICA
L E
RR
OR
3
1 1.
67%
$7
5,00
0 $7
5,00
0 0.
61%
$1
4,11
5 FA
ILU
RE
TO R
EAC
T TO
CAL
END
AR
3
1 1.
67%
$9
5,00
0 $9
5,00
0 0.
77%
$3
,990
M
ALIC
IOU
S P
RO
SEC
UTI
ON
OR
ABU
SE
OF
PRO
CE
SS
3
0 0.
00%
N
/A
$0
0.00
%
$1,7
02
ERR
OR
IN M
ATH
EMAT
ICAL
CAL
CU
LATI
ON
2
0 0.
00%
N
/A
$0
0.00
%
$1,0
55
FAIL
UR
E TO
CAL
END
AR P
RO
PER
LY
2 1
1.67
%
$7,5
00
$7,5
00
0.06
%
$0
IMPR
OPE
R W
ITH
DR
AWAL
FR
OM
REP
RE
SEN
TATI
ON
2
0 0.
00%
N
/A
$0
0.00
%
$2,9
93
LIB
EL O
R S
LAN
DER
1
0 0.
00%
N
/A
$0
0.00
%
$42,
173
LOST
FIL
E, D
OC
UM
ENT
OR
EVI
DEN
CE
1
0 0.
00%
N
/A
$0
0.00
%
$0
TOTA
L 14
7 60
10
0.00
%
$204
,581
$1
2,27
4,87
9 10
0.00
%
$25,
001
42
TRENDS
OF THE TOP TEN
ERRORS OR OMISSIONS
OF 2017
43
44
PLANNING OR STRATEGY ERROR
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $214,066 $230,381 $384,386 $247,734 $85,753 $172,045 $252,229 $211,250 $224,000 $98,298
AVG LOSS EXPENSE $51,080 $46,027 $54,173 $15,244 $22,466 $4,236 $57,037 $55,241 $20,537 $16,568
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 22 15 28 27 25 27 12 11 21 25
CLOSED WITH PAYMENT 6 5 10 9 9 5 4 4 5 9
CLOSED WITHOUT PAYMENT 16 10 18 18 16 22 8 7 16 16
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
45
CONFLICT OF INTEREST
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $79,567 $1,147,032 $0 $0 $41,250 $0 $456,918 $200,500 $83,802 $320,191
AVG LOSS EXPENSE $31,930 $108,636 $20,634 $59,676 $215,739 $174,111 $128,676 $52,434 $15,441 $38,919
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
$1,100,000
$1,200,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 10 5 4 6 6 4 5 9 8 18
CLOSED WITH PAYMENT 4 1 0 0 1 0 3 5 4 7
CLOSED WITHOUT PAYMENT 6 4 4 6 5 4 2 4 4 11
0
2
4
6
8
10
12
14
16
18
20
Nu
mb
er
of
Cla
ims
46
FAILURE TO KNOW OR PROPERLY APPLY THE LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $40,800 $47,803 $95,154 $83,500 $155,900 $22,268 $64,275 $199,625 $86,960 $311,375
AVG LOSS EXPENSE $15,713 $43,640 $32,624 $11,307 $36,119 $6,452 $46,633 $43,061 $10,455 $11,385
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
$300,000
$325,000
$350,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 17 18 13 20 15 19 13 14 35 16
CLOSED WITH PAYMENT 5 7 5 8 5 3 4 4 10 7
CLOSED WITHOUT PAYMENT 12 11 8 12 10 16 9 10 25 9
0
10
20
30
40
50
60
Nu
mb
er
of
Cla
ims
47
FRAUD
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $30,000 $12,500 $0 $57,801 $37,500 $0 $400,000 $153,516 $0 $127,417
AVG LOSS EXPENSE $21,098 $12,862 $25,715 $23,890 $8,098 $0 $169,931 $59,242 $8,320 $87,027
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 5 9 7 15 7 6 4 12 7 14
CLOSED WITH PAYMENT 1 1 0 4 2 0 1 4 0 6
CLOSED WITHOUT PAYMENT 4 8 7 11 5 6 3 8 7 8
0
3
6
9
12
15
18
21
Nu
mb
er
of
Cla
ims
48
FAILURE TO ASCERTAIN DEADLINE CORRECTLY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $119,829 $202,692 $37,273 $94,616 $461,315 $0 $360,000 $222,738 $50,833 $171,103
AVG LOSS EXPENSE $13,184 $7,316 $2,625 $9,105 $13,250 $154 $8,499 $3,957 $7,955 $23,501
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
$600,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 27 20 36 49 29 31 21 23 18 11
CLOSED WITH PAYMENT 7 6 11 16 7 0 4 7 9 9
CLOSED WITHOUT PAYMENT 20 14 25 33 22 31 17 16 9 2
0
10
20
30
40
50
60
Nu
mb
er
of
Cla
ims
49
FAILURE TO FOLLOW CLIENTS INSTRUCTIONS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $79,400 $62,500 $13,000 $30,250 $587,500 $1,050,000 $0 $54,250 $27,167 $79,500
AVG LOSS EXPENSE $3,652 $9,175 $6,156 $11,236 $72,096 $16,658 $3,583 $32,989 $12,803 $15,217
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 11 10 14 12 8 13 3 9 9 10
CLOSED WITH PAYMENT 1 2 1 2 2 1 0 2 3 4
CLOSED WITHOUT PAYMENT 10 8 13 10 6 12 3 7 6 6
0
4
8
12
16
20
Nu
mb
er
of
Cla
ims
50
INADEQUATE INVESTIGATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $29,500 $77,500 $30,390 $74,500 $94,045 $375,000 $202,264 $75,000 $444,125 $30,400
AVG LOSS EXPENSE $29,483 $15,700 $30,962 $10,919 $86,762 $402 $39,950 $24,396 $29,908 $21,250
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 9 5 20 16 18 8 10 8 15 10
CLOSED WITH PAYMENT 2 1 5 6 6 1 7 1 6 5
CLOSED WITHOUT PAYMENT 7 4 15 10 12 7 3 7 9 5
0
3
6
9
12
15
18
21
24
Nu
mb
er
of
Cla
ims
51
PROCRASTINATION OR LACK OF FOLLOW-UP
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $85,778 $19,857 $29,035 $217,500 $545,063 $100,000 $0 $21,328 $83,000 $422,742
AVG LOSS EXPENSE $13,909 $2,422 $45,209 $21,415 $12,298 $20,601 $0 $3,082 $7,930 $21,371
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
$600,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 17 8 14 13 13 4 2 6 10 8
CLOSED WITH PAYMENT 3 4 3 4 2 2 0 2 4 4
CLOSED WITHOUT PAYMENT 14 4 11 9 11 2 2 4 6 4
0
3
6
9
12
15
18
21
24
Nu
mb
er
of
Cla
ims
52
FAILURE TO FILE DOCUMENTS WITH NO DEADLINE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $0 $28,442 $54,683 $25,201 $0 $42,589 $37,500 $44,500 $95,000 $81,022
AVG LOSS EXPENSE $319 $7,514 $9,816 $17,414 $53,713 $6,228 $938 $10,983 $10,528 $22,485
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
$100,000
$110,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 15 11 8 8 5 18 7 6 2 6
CLOSED WITH PAYMENT 0 6 3 3 0 4 1 4 1 4
CLOSED WITHOUT PAYMENT 15 5 5 5 5 14 6 2 1 2
0
3
6
9
12
15
18
21
24
Nu
mb
er
of
Cla
ims
53
FAILURE TO OBTAIN CLIENTS CONSENT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $4,000 $0 $0 $0 $30,000 $0 $0 $350,000 $50,000 $2,000,000
AVG LOSS EXPENSE $7,628 $1,033 $0 $118,558 $4,603 $4,305 $5,837 $18,604 $18,953 $25,142
$0
$300,000
$600,000
$900,000
$1,200,000
$1,500,000
$1,800,000
$2,100,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 5 4 5 5 5 5 1 6 2 4
CLOSED WITH PAYMENT 1 0 0 0 2 0 0 1 1 1
CLOSED WITHOUT PAYMENT 4 4 5 5 3 5 1 5 1 3
0
3
6
9
12
15
Nu
mb
er
of
Cla
ims
54
TEN YEAR SUMMARY
&
2017 SUMMARY
BY
CLAIM DISPOSITIONS
55
56
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
FO
R Y
EA
RS
200
8-2
017
CL
AIM
DIS
PO
SIT
ION
A
LL
C
LO
SE
D
CL
AIM
S
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
BEFO
RE
TRIA
L O
R H
EAR
ING
88
3 32
3 60
.04%
$1
56,1
21
$50,
427,
011
67.6
5%
$31,
995
BEFO
RE
FILI
NG
SU
IT O
R D
EMAN
DIN
G H
EAR
ING
83
2 18
9 35
.13%
$9
5,04
1 $1
7,96
2,70
2 24
.10%
$3
,479
C
LAIM
OR
SU
IT A
BAN
DO
NED
20
6 1
0.19
%
$6,5
00
$6,5
00
0.01
%
$2,3
06
AFTE
R A
PPEA
L 54
2
0.37
%
$549
,998
$1
,099
,995
1.
48%
$6
6,34
9 AF
TER
JU
DG
MEN
T, B
EFO
RE
AP
PEAL
46
10
1.
86%
$2
18,4
72
$2,1
84,7
19
2.93
%
$55,
805
AFTE
R T
RIA
L O
R H
EAR
ING
, BEF
OR
E JU
DG
MEN
T 39
4
0.74
%
$142
,693
$5
70,7
71
0.77
%
$33,
517
DU
RIN
G T
RIA
L O
R H
EAR
ING
36
7
1.30
%
$292
,632
$2
,048
,425
2.
75%
$5
8,68
1 D
UR
ING
AP
PEAL
13
2
0.37
%
$118
,500
$2
37,0
00
0.32
%
$76,
798
DU
RIN
G R
EVIE
W P
ANEL
11
0
0.00
%
N/A
$0
0.
00%
$7
,168
TOTA
L 2,
120
538
100.
00%
$1
38,5
45
$74,
537,
123
100.
00%
$1
9,93
8
57
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
CL
AIM
S C
LO
SE
D I
N 2
017
CL
AIM
DIS
PO
SIT
ION
A
LL
C
LO
SE
D
CL
AIM
S
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
BEFO
RE
TRIA
L O
R H
EAR
ING
77
43
71
.67%
$2
50,6
27
$10,
776,
980
87.8
0%
$40,
516
BEFO
RE
FILI
NG
SU
IT O
R D
EMAN
DIN
G H
EAR
ING
48
17
28
.33%
$8
8,11
2 $1
,497
,899
N
/A
$6,2
80
CLA
IM O
R S
UIT
AB
AND
ON
ED
18
0 0.
00%
N
/A
$0
N/A
$7
,015
AF
TER
APP
EAL
4 0
0.00
%
N/A
$0
N
/A
$31,
927
TOTA
L 14
7 60
10
0.00
%
$204
,581
$1
2,27
4,87
9 N
/A
$25,
001
58
TRENDS OF
CLAIM DISPOSITIONS
OF 2017
59
60
BEFORE TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $87,697 $118,951 $168,776 $114,004 $168,186 $127,165 $152,265 $197,745 $146,832 $250,627
AVG LOSS EXPENSE $31,549 $48,822 $32,419 $19,115 $44,102 $3,399 $50,061 $48,454 $24,178 $40,516
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 72 66 72 106 111 141 89 76 73 77
CLOSED WITH PAYMENT 32 36 28 43 33 13 28 32 35 43
CLOSED WITHOUT PAYMENT 40 30 44 63 78 128 61 44 38 34
0
25
50
75
100
125
150
175
Nu
mb
er
of
Cla
ims
61
BEFORE FILING SUIT OR DEMANDING HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $33,486 $34,640 $63,181 $71,226 $221,950 $171,781 $176,933 $83,314 $111,386 $88,112
AVG LOSS EXPENSE $1,049 $1,582 $1,458 $3,815 $5,060 $2,567 $11,225 $4,574 $1,268 $6,280
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 113 102 90 93 77 83 70 73 83 48
CLOSED WITH PAYMENT 20 23 24 25 16 9 15 18 22 17
CLOSED WITHOUT PAYMENT 93 79 66 68 61 74 55 55 61 31
0
20
40
60
80
100
120
140
Nu
mb
er
of
Cla
ims
62
CLAIM OR SUIT ABANDONED
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $0 $0 $6,500 $0
AVG LOSS EXPENSE $2,283 $1,137 $307 $2,353 $686 $7,005 $531 $79 $3,608 $7,015
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 17 35 31 31 16 17 11 16 14 18
CLOSED WITH PAYMENT 0 0 0 0 0 0 0 0 1 0
CLOSED WITHOUT PAYMENT 17 35 31 31 16 17 11 16 13 18
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
63
AFTER APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $999,995 $0 $100,000 $0 $0 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $159,973 $14,833 $62,794 $124,465 $17,604 $19,091 $66,539 $35,975 $35,165 $31,927
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
$1,100,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 8 4 11 5 2 6 5 5 4 4
CLOSED WITH PAYMENT 1 0 1 0 0 0 0 0 0 0
CLOSED WITHOUT PAYMENT 7 4 10 5 2 6 5 5 4 4
0
2
4
6
8
10
12
14
Nu
mb
er
of
Cla
ims
64
TEN YEAR SUMMARY
&
2017 SUMMARY
BY
YEARS ADMITTED TO PRACTICE
65
66
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
FO
R Y
EA
RS
200
8-2
017
YE
AR
S A
DM
ITT
ED
TO
PR
AC
TIC
E
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
OVE
R 1
0 YE
ARS
2,
018
502
93.3
1%
$140
,783
$7
0,67
2,87
1 94
.82%
$2
0,45
5 4
TO 1
0 YE
ARS
82
30
5.
58%
$8
8,13
0 $2
,643
,902
3.
55%
$9
,666
U
ND
ER
4 Y
EAR
S
20
6 1.
12%
$2
03,3
92
$1,2
20,3
50
1.64
%
$9,8
64
TOTA
L 2,
120
538
100.
00%
$1
38,5
45
$74,
537,
123
100.
00%
$1
9,93
8
67
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
CL
AIM
S C
LO
SE
D I
N 2
017
YE
AR
S A
DM
ITT
ED
TO
PR
AC
TIC
E
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
OVE
R 1
0 YE
ARS
14
2 58
96
.67%
$2
11,5
11
$12,
267,
629
99.9
4%
$25,
744
4 TO
10
YEAR
S
4 2
3.33
%
$3,6
25
$7,2
50
0.06
%
$4,5
68
UN
DE
R 4
YE
ARS
1
0 0.
00%
N
/A
$0
0.00
%
$1,2
93
TOTA
L 14
7 60
10
0.00
%
$204
,581
$1
2,27
4,87
9 10
0.00
%
$25,
001
68
TRENDS
OF
YEARS ADMITTED TO PRACTICE
FOR 2017
69
70
OVER 10 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $87,901 $109,644 $114,928 $96,545 $201,277 $140,727 $168,275 $154,837 $147,464 $211,511
AVG LOSS EXPENSE $17,967 $19,224 $23,241 $16,581 $30,327 $6,064 $33,640 $24,517 $13,682 $25,744
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 209 222 219 241 204 251 186 170 174 142
CLOSED WITH PAYMENT 49 62 57 68 46 17 39 46 60 58
CLOSED WITHOUT PAYMENT 160 160 162 173 158 234 147 124 114 84
0
25
50
75
100
125
150
175
200
225
250
275
Nu
mb
er
of
Cla
ims
71
4 TO 10 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $43,667 $3,463 $0 $107,500 $23,333 $38,661 $198,632 $121,667 $50,000 $3,625
AVG LOSS EXPENSE $22,361 $3,095 $2,148 $6,297 $2,425 $14,121 $9,969 $28,242 $2,931 $4,568
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 7 5 10 10 9 10 14 7 6 4
CLOSED WITH PAYMENT 3 2 0 4 3 5 7 3 1 2
CLOSED WITHOUT PAYMENT 4 3 10 6 6 5 7 4 5 2
0
2
4
6
8
10
12
14
16
18
Nu
mb
er
of
Cla
ims
72
UNDER 4 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $37,850 $0 $120,000 $0 $2,500 $625,000 $0 $340,000 $95,000 $0
AVG LOSS EXPENSE $1,098 $0 $17,064 $0 $5,999 $22,650 $0 $13,129 $30,547 $1,293
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
$600,000
$650,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 7 0 2 0 2 3 2 1 2 1
CLOSED WITH PAYMENT 1 0 1 0 1 1 0 1 1 0
CLOSED WITHOUT PAYMENT 6 0 1 0 1 2 2 0 1 1
0
1
2
3
4
5
6
7
8
9
10
Nu
mb
er
of
Cla
ims
73
74
TEN YEAR SUMMARY
&
2017 SUMMARY
BY
INSURED/CLAIMANT RELATIONSHIP
75
76
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
FO
R Y
EA
RS
200
8-2
01
7
IN
SU
RE
D’S
RE
LA
TIO
NS
HIP
TO
TH
E
CL
AIM
AN
T
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
CLI
ENT
OTH
ER T
HAN
AB
OVE
14
96
432
80.3
0%
$155
,296
$6
7,08
7,82
4 90
.01%
$2
1,98
0 N
ON
-CLI
ENT
612
103
19.1
4%
$67,
775
$6,9
80,7
99
9.37
%
$13,
343
MEM
BER
PR
E-P
AID
LEG
AL P
LAN
7
3 0.
56%
$1
56,1
67
$468
,500
0.
63%
$8
7,65
8 FR
EE L
EGAL
SE
RVI
CE
5
0 0.
00%
N
/A
$0
0.00
%
$121
,163
TO
TAL
2,12
0 53
8 10
0.00
%
$138
,545
$7
4,53
7,12
3 10
0.00
%
$19,
938
77
LE
GA
L M
AL
PR
AC
TIC
E I
NS
UR
AN
CE
IND
EM
NIT
Y A
NA
LY
SIS
CL
AIM
S C
LO
SE
D I
N 2
017
INS
UR
ED
’S R
EL
AT
ION
SH
IP T
O T
HE
C
LA
IMA
NT
A
LL
C
LO
SE
D
CL
AIM
S
NU
MB
ER
O
F P
AID
C
LA
IMS
PE
RC
EN
T O
F
PA
ID C
LA
IMS
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
AID
C
LA
IM
TO
TA
L
IND
EM
NIT
Y
PE
RC
EN
T O
F
TO
TA
L
IND
EM
NIT
Y
AV
ER
AG
E
LO
SS
E
XP
EN
SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
CLI
ENT
OTH
ER T
HAN
AB
OVE
10
2 44
73
.33%
$2
56,9
72
$11,
306,
751
92.1
1%
$30,
359
NO
N-C
LIEN
T 43
15
25
.00%
$5
1,24
2 $7
68,6
28
6.26
%
$10,
904
FREE
LEG
AL S
ER
VIC
E
1 0
0.00
%
N/A
$0
0.
00%
$0
M
EMB
ER P
RE
-PAI
D L
EGAL
PLA
N
1 1
1.67
%
$199
,500
$1
99,5
00
1.63
%
$109
,666
TOTA
L 14
7 60
10
0.00
%
$204
,581
$1
2,27
4,87
9 10
0.00
%
$25,
001
78
TRENDS
OF
INSURED/CLAIMANT
RELATIONSHIP
FOR 2017
79
80
CLIENT OTHER THAN FREE LEGAL SERVICE OR MEMBER OF PRE-PAID LEGAL PLAN
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $88,645 $121,958 $126,677 $99,444 $209,356 $140,937 $191,034 $175,022 $171,740 $256,972
AVG LOSS EXPENSE $18,841 $22,959 $22,082 $12,817 $35,483 $7,183 $39,548 $23,358 $14,392 $30,359
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 169 166 157 174 146 176 144 132 130 102
CLOSED WITH PAYMENT 45 53 47 56 40 21 36 42 48 44
CLOSED WITHOUT PAYMENT 124 113 110 118 106 155 108 90 82 58
0
25
50
75
100
125
150
175
200
225
250
275
Nu
mb
er
of
Cla
ims
81
NON-CLIENT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
AVG PAID INDEMNITY $60,876 $31,005 $65,187 $89,138 $76,889 $125,500 $107,592 $67,509 $53,526 $51,242
AVG LOSS EXPENSE $13,993 $7,737 $22,683 $16,268 $8,421 $5,286 $12,209 $28,697 $11,313 $10,904
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ALL CLAIMS 52 61 74 76 65 87 57 45 52 43
CLOSED WITH PAYMENT 8 11 11 16 9 2 10 7 14 15
CLOSED WITHOUT PAYMENT 44 50 63 60 56 85 47 38 38 28
0
10
20
30
40
50
60
70
80
90
100
Nu
mb
er
of
Cla
ims
82
PREMIUM AND
LOSS DATA
83
84
PA
GE
19 S
UP
PL
EM
EN
T
LE
GA
L M
AL
PR
AC
TIC
E E
XP
ER
IEN
CE
WIT
H M
AR
KE
T S
HA
RE
2017 E
XP
ER
IEN
CE
NA
IC
Co
mp
an
y
Co
de
C
om
pan
y N
am
e
Mark
et
Sh
are
W
ritt
en
P
rem
ium
E
arn
ed
Pre
miu
m
Incu
rred
Lo
sse
s
Lo
ss R
ati
o
2951
3 BA
R P
LAN
MU
TUAL
INSU
RAN
CE
CO
MPA
NY
THE
58
.67%
$9
,613
,029
$9
,810
,581
$1
,685
,023
17
.18%
20
443
CO
NTI
NEN
TAL
CA
SUA
LTY
CO
MPA
NY
20
.45%
$3
,350
,932
$3
,428
,673
$3
,145
,027
91
.73%
32
450
ALPS
PR
OP
ERTY
& C
AS
UAL
TY C
OM
PAN
Y
5.12
%
$839
,719
$7
39,9
21
$229
,719
31
.05%
22
292
HAN
OV
ER IN
SUR
ANC
E C
OM
PAN
Y TH
E
4.66
%
$764
,159
$8
04,7
53
$1,5
36,8
19
190.
97%
39
845
WES
TPO
RT
INSU
RA
NC
E C
OR
POR
ATIO
N
3.76
%
$616
,254
$5
01,5
18
$129
,271
25
.78%
22
730
ALLI
ED W
OR
LD IN
SUR
ANC
E C
OM
PAN
Y
1.68
%
$275
,794
$2
31,3
35
$83,
242
35
.98%
37
273
AXIS
INSU
RAN
CE
CO
MP
ANY
1.
61%
$2
63,0
96
$228
,058
$1
38,3
85
60.6
8%
3119
4 TR
AVEL
ERS
CA
SUAL
TY A
ND
SU
RET
Y C
O O
F AM
ER
1.38
%
$226
,754
$2
18,3
37
$0
0.00
%
2414
7 O
LD R
EPU
BLIC
INS
UR
AN
CE
CO
MP
ANY
1.
08%
$1
76,9
09
$148
,700
$5
7,43
0
38.6
2%
2945
9 TW
IN C
ITY
FIR
E IN
SUR
AN
CE
CO
MP
ANY
0.
84%
$1
37,9
38
$140
,880
($
20)
-0.0
1%19
518
CAT
LIN
INS
UR
AN
CE
CO
MP
ANY
INC
0.
45%
$7
3,36
4
$103
,264
($
711,
217)
-6
88.7
4%22
241
MED
MAR
C C
ASU
ALTY
INSU
RAN
CE
CO
MPA
NY
0.
20%
$3
2,51
9
$39,
831
$7
,029
17
.65%
1100
0 SE
NTI
NE
L IN
SUR
ANC
E C
OM
PAN
Y LT
D
0.07
%
$11,
234
$1
1,56
5
$0
0.00
%
2942
4 H
ARTF
OR
D C
AS
UA
LTY
INSU
RAN
CE
CO
0.
02%
$4
,053
$4
,053
$0
0.
00%
15
865
NC
MIC
INSU
RAN
CE
CO
MPA
NY
0.
00%
$0
$0
($
187)
N
/A
1669
1 G
REA
T AM
ERIC
AN IN
SUR
ANC
E C
OM
PAN
Y
0.00
%
$0
$0
$2,7
31
N/A
21
970
BED
IVER
E IN
SUR
AN
CE
CO
MP
AN
Y
0.00
%
$0
$0
$453
,137
N
/A
2232
2 G
REE
NW
ICH
INSU
RAN
CE
CO
MPA
NY
0.
00%
$0
$3
,097
($
6,33
8)
-204
.65%
2558
5 W
ATFO
RD
INSU
RA
NC
E C
OM
PAN
Y
0.00
%
$0
$0
$56,
469
N
/A
2715
4 AT
LAN
TIC
SP
ECIA
LTY
INSU
RAN
CE
CO
MPA
NY
0.
00%
$0
$0
$4
35,6
48
N/A
TO
TAL
100.
00%
$1
6,38
5,75
4 $1
6,41
4,56
6 $7
,242
,168
44
.12%
85
P
AG
E 1
9 S
UP
PL
EM
EN
T
LE
GA
L M
AL
PR
AC
TIC
E E
XP
ER
IEN
CE
TE
N Y
EA
R S
UM
MA
RY
YE
AR
W
ritt
en
Pre
miu
m
Earn
ed
Pre
miu
m
Incu
rred
Lo
sse
s
Lo
ss R
ati
o
2008
$1
6,32
4,59
1
$16,
766,
853
$3
,959
,872
23
.62%
20
09
$15,
787,
723
$1
5,99
4,80
7
$5,7
38,1
99
35.8
8%
2010
$1
4,95
5,31
3
$15,
124,
731
$9
,238
,427
61
.08%
20
11
$14,
269,
499
$1
4,60
8,08
4
$5,5
14,1
32
37.7
5%
2012
$1
5,35
6,95
0
$15,
088,
454
$9
,871
,352
65
.42%
20
13
$15,
843,
263
$1
5,22
1,12
0
$9,2
91,2
32
61.0
4%
2014
$1
6,72
5,39
5
$16,
787,
627
$8
,975
,108
53
.46%
20
15
$16,
452,
459
$1
6,41
2,22
0
$11,
873,
680
72
.35%
20
16
$16,
350,
726
$1
6,42
5,47
2
$6,2
89,0
90
38.2
9%
2017
$1
6,38
5,75
4
$16,
414,
566
$7
,242
,168
44
.12%
10-Y
EAR
TO
TAL
$158
,451
,673
$1
58,8
43,9
34
$77,
993,
260
49
.10%
86
PAG
E 19
SU
PPLE
MEN
TLE
GAL
MA
LPR
ACTI
CE
EXP
ERIE
NC
E
TEN
YEA
R L
OSS
RAT
IO S
UM
MAR
Y
20
08
20
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
Lo
ss R
ati
o23
.62%
35
.88%
61
.08%
37
.75%
65
.42%
61
.04%
53
.46%
72
.35%
38
.29%
44
.12%
0.0
0%
10
.00%
20
.00%
30
.00%
40
.00%
50
.00%
60
.00%
70
.00%
80
.00%
Loss Ratio
87
88
For questions about your insurance policy or to file a complaint
against an insurance company or agent:
difp.mo.gov800-726-7390
Harry S Truman Building, Room 530301 W. High St.
PO Box 690Jefferson City, MO 65102
