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2018
LEGAL MALPRACTICE REPORT
MISSOURI
MISSOURI
LEGAL
MALPRACTICE
INSURANCE
REPORT
2018
Department of Insurance, Financial Institutions & Professional RegistrationStatistics Section
July 2019
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 private passenger 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 2009 to 2018.
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 2018, the loss ratio for legal malpractice insurance in Missouri was 38 percent. For the 10-year
period of claims closed1, 535 (26 percent) were closed with payment. Claims closed in 2018 totaled 140, a 5
percent decrease from the previous year. The average payment was $116,945.
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 2018, the
average loss adjustment expense for all claims closed with payment was $85,739 compared to $60,248 in
2017.
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 2018 (28 of 140) was initiated by plaintiffs in
bodily injury/property damage - plaintiff. The largest proportion of all claims closed in 2018 under the major
activity code occurred during commencement of action or proceeding. Of all claims paid during 2018, 51
percent were settled before trial or hearing on the alleged malpractice.
Ninety-two percent of losses in 2018 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-one percent
of 2018 claims occurred in the category of client other than free legal service or member of pre-paid legal
plan.
Only 15 companies reported writing legal malpractice insurance in Missouri for 2018. 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 2018 Summary ..........................................9
Trends of the Top 10 Areas of Law ....................................................13
Major Activity: 10-Year and 2018 Summary ....................................25
Trends of the Top 10 Major Activity ................................................29
Alleged Errors or Omissions: 10-Year and 2018 Summary ..............41
Trends of the Top 10 Alleged Errors or Omissions .............................45
Claim Disposition: 10-Year and 2018 Summary ................................57
Trends of the Top 8 Claim Dispositions ..............................................61
Years Admitted to Practice: 10-Year and 2018 Summary ..................71
Trends of Years Admitted to Practice ..................................................75
Insured/Claimant Relationship: 10-Year and 2018 Summary ............81
Trends of Insured/Claimant Relationship ............................................85
III PREMIUM AND LOSS DATA ..........................................................89
TEN YEAR
SUMMARY
(2009-2018)
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
(2009-2
01
8)
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
A
VE
RA
GE
IN
DE
MN
ITY
P
AID
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
2,0
35
100.0
%
$75,8
91,4
25
$37,2
93
$42,4
54,0
56
$20,8
62
Clo
sed
wit
h P
aym
en
t
535
26.3
%
$75,8
91,4
25
$141
,85
3
$26,3
93,3
25
$49,3
33
Clo
sed
wit
ho
ut
Pa
ym
en
t
1,5
01
73.8
%
$0
$0
$16,0
60,7
31
$10,7
00
Cla
ims S
ett
led
Th
rou
gh
Co
urt
Pro
ceed
ing
s
182
8.9
%
$5,5
14,0
25
$30,2
97
$10,5
11,4
25
$57,7
55
Co
urt
Pro
ceed
ing
s R
esu
ltin
g in
Pa
ym
en
t 26
1.3
%
$5,5
14,0
25
$212
,07
8
$3,8
00,3
63
$146
,16
8
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
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
20
18
AL
L C
LO
SE
D C
LA
IMS
$2
9,9
77
$2
8,7
54
$2
7,8
69
$4
3,4
01
$1
2,1
62
$3
9,5
68
$4
4,4
74
$4
9,6
84
$8
3,6
14
$4
0,9
31
CL
OS
ED
WIT
H P
AY
ME
NT
$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
02
,86
7$1
16
,94
5
$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
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
20
18
AL
L C
LA
IMS
$1
8,8
68
$2
2,1
78
$1
6,1
71
$2
8,9
32
$6
,55
8$3
1,7
96
$2
4,5
43
$1
3,4
14
$2
4,8
32
$3
0,0
09
CL
OS
ED
WIT
H P
AY
ME
NT
$6
6,9
23
$8
8,7
14
$5
6,3
73
$1
24
,41
0$7
5,2
70
$1
38
,93
5$8
6,3
93
$3
9,1
61
$6
0,2
48
$8
5,7
39
CL
OS
ED
WIT
HO
UT
PA
YM
EN
T$2
6,2
77
$2
9,5
71
$2
2,6
75
$3
7,7
00
$7
,18
3$4
0,9
68
$3
4,2
83
$2
0,4
03
$4
2,2
43
$4
6,1
67
$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
009-2
018
20
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
20
18
CL
OS
ED
WIT
H P
AY
ME
NT
64
58
72
50
23
46
50
62
61
49
CL
OS
ED
WIT
HO
UT
PA
YM
EN
T16
317
417
916
524
115
612
611
987
91
TO
TA
L22
723
225
121
526
420
117
618
114
814
0
0
50
10
0
15
0
20
0
25
0
30
0
35
0
Number of Claims
6
TEN YEAR SUMMARY
&
2018 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
9-2
018
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/
PD
- P
LA
INT
IFF
4
04
13
1
24
.49
%
$1
74
,90
3
$2
2,9
12
,35
5
30
.19
%
$1
9,4
28
CO
LL
EC
TIO
N &
BA
NK
RU
PT
CY
3
32
71
13
.27
%
$6
2,2
50
$4
,419
,78
1
5.8
2%
$
8,7
61
ES
TA
TE
, T
RU
ST
& P
RO
BA
TE
2
45
71
13
.27
%
$1
09
,58
4
$7
,780
,46
2
10
.25
%
$2
2,6
56
RE
AL
ES
TA
TE
2
41
50
9.3
5%
$
91
,36
8
$4
,568
,38
2
6.0
2%
$
10
,31
5
FA
MIL
Y L
AW
2
24
49
9.1
6%
$
12
0,3
72
$
5,8
98
,23
2
7.7
7%
$
15
,73
0
CO
RP
OR
AT
E &
BU
SIN
ES
S O
RG
AN
IZA
TIO
N
11
3
23
4.3
0%
$
21
9,6
24
$
5,0
51
,36
3
6.6
6%
$
26
,60
7
BU
S T
RA
NS
AC
TIO
N/C
OM
ME
RC
IAL
LA
W
79
28
5.2
3%
$
16
0,8
69
$
4,5
04
,34
1
5.9
4%
$
74
,58
2
WO
RK
ER
S C
OM
PE
NS
AT
ION
7
1
22
4.1
1%
$
17
4,5
87
$
3,8
40
,90
9
5.0
6%
$
7,1
16
CR
IMIN
AL
6
7
9
1.6
8%
$
23
,75
0
$2
13
,75
0
0.2
8%
$
11
,86
1
BI/
PD
- D
EF
EN
DA
NT
5
3
15
2.8
0%
$
32
2,2
38
$
4,8
33
,57
1
6.3
7%
$
48
,77
9
CIV
IL R
IGH
TS
& C
OM
MIS
SIO
N
46
11
2.0
6%
$
14
1,2
95
$
1,5
54
,25
0
2.0
5%
$
9,5
57
LA
BO
R L
AW
4
2
17
3.1
8%
$
13
3,6
18
$2
,271
,50
4
2.9
9%
$
25
,50
5
CO
NS
UM
ER
CL
AIM
S
25
7
1.3
1%
$
77
,35
7
$5
41
,50
0
0.7
1%
$
31
,38
9
CO
NS
TR
UC
TIO
N (
BU
ILD
ING
CO
NT
RA
CT
S)
18
8
1.5
0%
$
25
4,0
86
$
2,0
32
,68
4
2.6
8%
$
64
,25
8
LO
CA
L G
OV
ER
NM
EN
T
18
5
0.9
3%
$
21
2,2
34
$
1,0
61
,17
2
1.4
0%
$
36
,33
7
TA
XA
TIO
N
16
5
0.9
3%
$
26
5,6
34
$1
,328
,16
9
1.7
5%
$
25
,84
8
PA
TE
NT
S, T
RA
DE
MA
RK
S,
CO
PY
RIG
HT
S
13
4
0.7
5%
$
19
6,8
75
$
78
7,5
00
1
.04
%
$1
88
,07
7
SE
CU
RIT
IES
(S
.E.C
.)
12
2
0.3
7%
$
83
,75
0
$1
67
,50
0
0.2
2%
$
6,7
62
GO
VE
RN
ME
NT
CO
NT
RA
CT
S &
CL
AIM
S
7
2
0.3
7%
$
52
,50
0
$1
05
,00
0
0.1
4%
$
4,0
76
IMM
IGR
AT
ION
& N
AT
UR
AL
IZA
TIO
N
5
2
0.3
7%
$
14
2,0
00
$
28
4,0
00
0
.37
%
$4
,114
AD
MIR
AL
TY
2
1
0
.19
%
$1
,105
,00
0
$1
,105
,00
0
1.4
6%
$
85
,06
4
EN
VIR
ON
ME
NT
1
1
0
.19
%
$3
30
,00
0
$3
30
,00
0
0.4
3%
$
18
,30
7
NA
TIO
NA
L R
ES
OU
RC
ES
1
1
0
.19
%
$3
00
,00
0
$3
00
,00
0
0.4
0%
$
68
,83
7
TO
TA
L
2,0
35
53
5
10
0.0
0%
$
14
1,8
53
$
75
,89
1,4
25
1
00
.00
%
$2
0,8
62
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
018
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/
PD
- P
LA
INT
IFF
2
8
13
26
.53
%
$1
22
,65
8
$1
,594
,55
1
27
.83
%
$1
8,4
33
FA
MIL
Y L
AW
2
4
2
4.0
8%
$
12
,50
0
$2
5,0
00
0
.44
%
$2
1,3
43
ES
TA
TE
, T
RU
ST
& P
RO
BA
TE
2
1
8
16
.33
%
$1
20
,89
8
$9
67
,18
6
16
.88
%
$3
7,0
83
CO
LL
EC
TIO
N &
BA
NK
RU
PT
CY
1
4
4
8.1
6%
$
54
,93
8
$2
19
,75
0
3.8
3%
$
17
,99
9
CO
RP
OR
AT
E &
BU
SIN
ES
S O
RG
AN
IZA
TIO
N
10
4
8.1
6%
$
39
1,2
90
$
1,5
65
,16
1
27
.31
%
$6
7,0
55
RE
AL
ES
TA
TE
1
0
3
6.1
2%
$
30
,92
7
$9
2,7
80
1
.62
%
$6
,095
BU
SIN
ES
S T
RA
NS
AC
TIO
N/C
OM
ME
RC
IAL
LA
W
6
4
8.1
6%
$
12
9,1
46
$
51
6,5
84
9.0
1%
$
13
5,1
81
CR
IMIN
AL
5
0
0
.00
%
N/A
$
0
0.0
0%
$
35
,70
9
LA
BO
R L
AW
5
2
4
.08
%
$3
3,8
75
$6
7,7
50
1
.18
%
$1
4,9
36
WO
RK
ER
S C
OM
PE
NS
AT
ION
5
4
8
.16
%
$3
1,8
75
$1
27
,50
0
2.2
3%
$
4,5
25
CO
NS
TR
UC
TIO
N (
BU
ILD
ING
CO
NT
RA
CT
S)
3
1
2.0
4%
$
10
3,0
00
$
10
3,0
00
1
.80
%
$6
6,7
16
BI/
PD
- D
EF
EN
DA
NT
2
1
2
.04
%
$1
05
,06
0
$1
05
,06
0
1.8
3%
$
51
2
CO
NS
UM
ER
CL
AIM
S
2
1
2.0
4%
$
31
,00
0
$3
1,0
00
0
.54
%
$1
0,7
29
CIV
IL R
IGH
TS
& C
OM
MIS
SIO
N
1
1
2.0
4%
$
15
,00
0
$1
5,0
00
0
.26
%
$6
,167
LO
CA
L G
OV
ER
NM
EN
T
1
0
0.0
0%
N
/A
$0
0.0
0%
$
26
,05
2
NA
TIO
NA
L R
ES
OU
RC
ES
1
1
2
.04
%
$3
00
,00
0
$3
00
,00
0
5.2
4%
$
68
,83
7
PA
TE
NT
S, T
RA
DE
MA
RK
S,
CO
PY
RIG
HT
S
1
0
0.0
0%
N
/A
$0
0.0
0%
$
0
SE
CU
RIT
IES
(S
.E.C
.)
1
0
0.0
0%
N
/A
$0
0.0
0%
$
0
TO
TA
L
14
0
49
10
0.0
0%
$
11
6,9
45
$
5,7
30
,32
2
10
0.0
0%
$
30
,00
9
10
TRENDS
OF THE TOP TEN
AREAS OF LAW
OF 2018
11
12
BI/PD - PLAINTIFF
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $113,034 $253,296 $167,084 $187,901 $52,071 $308,417 $195,002 $205,214 $96,214 $122,658
AVG LOSS EXPENSE $20,034 $27,113 $30,785 $5,090 $14,515 $20,032 $17,386 $12,879 $15,533 $18,433
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 63 52 59 35 46 28 35 27 31 28
CLOSED WITH PAYMENT 23 17 22 8 4 12 15 7 10 13
CLOSED WITHOUT PAYMENT 40 35 37 27 42 16 20 20 21 15
0
10
20
30
40
50
60
70
80
Nu
mb
er
of
Cla
ims
13
FAMILY LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $18,500 $23,244 $45,600 $36,500 $319,161 $164,743 $42,600 $61,528 $473,000 $12,500
AVG LOSS EXPENSE $2,438 $31,400 $2,037 $28,423 $6,166 $15,512 $9,110 $19,230 $18,461 $21,343
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 20 29 26 24 29 22 15 18 17 24
CLOSED WITH PAYMENT 1 8 5 6 5 3 5 9 5 2
CLOSED WITHOUT PAYMENT 19 21 21 18 24 19 10 9 12 22
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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $129,445 $91,435 $93,929 $60,000 $37,613 $169,616 $236,000 $51,168 $115,668 $120,898
AVG LOSS EXPENSE $22,216 $30,465 $13,834 $9,178 $2,101 $46,996 $30,732 $12,756 $16,335 $37,083
$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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 25 34 27 19 18 24 22 30 25 21
CLOSED WITH PAYMENT 7 12 8 2 2 5 5 11 11 8
CLOSED WITHOUT PAYMENT 18 22 19 17 16 19 17 19 14 13
0
5
10
15
20
25
30
35
40
45
Nu
mb
er
of
Cla
ims
15
COLLECTION & BANRUPTCY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $36,254 $33,089 $42,419 $28,745 $51,000 $55,930 $22,370 $8,986 $155,420 $54,938
AVG LOSS EXPENSE $9,375 $10,038 $8,838 $12,918 $1,363 $6,885 $11,134 $5,060 $12,735 $17,999
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 20 37 40 36 42 44 36 37 26 14
CLOSED WITH PAYMENT 4 4 10 11 1 8 6 7 16 4
CLOSED WITHOUT PAYMENT 16 33 30 25 41 36 30 30 10 10
0
5
10
15
20
25
30
35
40
45
50
Nu
mb
er
of
Cla
ims
16
CORPORATE & BUSINESS ORGANIZATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $45,000 $0 $136,875 $501,219 $42,589 $0 $90,000 $105,491 $222,000 $391,290
AVG LOSS EXPENSE $4,897 $1,216 $17,063 $16,963 $1,822 $10,348 $24,269 $63,972 $169,743 $67,055
$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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 5 4 14 20 27 11 12 4 6 10
CLOSED WITH PAYMENT 1 0 4 4 4 0 2 3 1 4
CLOSED WITHOUT PAYMENT 4 4 10 16 23 11 10 1 5 6
0
3
6
9
12
15
18
21
24
27
30
33
Nu
mb
er
of
Cla
ims
17
REAL ESTATE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $21,622 $14,890 $55,315 $450,692 $26,667 $82,122 $182,750 $37,250 $27,500 $30,927
AVG LOSS EXPENSE $5,948 $10,326 $17,981 $10,015 $5,915 $11,844 $18,293 $6,987 $10,367 $6,095
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 28 24 33 25 48 30 18 18 7 10
CLOSED WITH PAYMENT 7 2 13 4 3 7 5 4 2 3
CLOSED WITHOUT PAYMENT 21 22 20 21 45 23 13 14 5 7
0
4
8
12
16
20
24
28
32
36
40
44
48
52
Nu
mb
er
of
Cla
ims
18
BUSINESS TRANSACTION/COMMERCIAL LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $437,344 $62,667 $38,500 $159,856 $0 $195,450 $147,500 $104,833 $85,000 $129,146
AVG LOSS EXPENSE $88,524 $27,775 $43,598 $117,820 $6,830 $50,471 $144,208 $10,000 $38,929 $135,181
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 11 6 9 15 7 12 7 4 2 6
CLOSED WITH PAYMENT 3 3 2 4 0 4 4 3 1 4
CLOSED WITHOUT PAYMENT 8 3 7 11 7 8 3 1 1 2
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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $3,000 $100,000 $0 $3,750 $0 $0 $10,000 $44,000 $2,250 $0
AVG LOSS EXPENSE $5,658 $35,555 $5,737 $8,616 $13,020 $0 $624 $6,625 $3,326 $35,709
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
$100,000
$110,000
$120,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 6 8 7 6 9 6 4 10 6 5
CLOSED WITH PAYMENT 2 1 0 2 0 0 1 2 1 0
CLOSED WITHOUT PAYMENT 4 7 7 4 9 6 3 8 5 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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $225,000 $0 $0 $0 $130,000 $37,500 $167,333 $197,551 $94,667 $33,875
AVG LOSS EXPENSE $41,721 $11,292 $0 $113,602 $2,565 $5,105 $30,487 $34,464 $15,494 $14,936
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 3 4 2 3 3 5 5 6 6 5
CLOSED WITH PAYMENT 1 0 0 0 1 2 3 5 3 2
CLOSED WITHOUT PAYMENT 2 4 2 3 2 3 2 1 3 3
0
3
6
9
12
15
Nu
mb
er
of
Cla
ims
21
WORKERS COMPENSATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $19,769 $34,129 $19,250 $85,000 $0 $50,000 $417,000 $963,757 $25,000 $31,875
AVG LOSS EXPENSE $5,634 $16,586 $2,575 $19,961 $0 $3,524 $2,277 $13,273 $4,764 $4,525
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 15 9 8 3 6 4 9 9 3 5
CLOSED WITH PAYMENT 7 2 2 1 0 1 1 3 1 4
CLOSED WITHOUT PAYMENT 8 7 6 2 6 3 8 6 2 1
0
2
4
6
8
10
12
14
16
Nu
mb
er
of
Cla
ims
22
TEN YEAR SUMMARY
&
2018 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
9-2
018
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
AC
TIO
N O
R P
RO
CE
ED
ING
6
36
14
7
27
.48
%
$1
27
,01
6
$1
8,6
71
,34
3
24
.60
%
$1
6,3
15
OT
HE
R
57
6
11
7
21
.87
%
$1
14
,12
4
$1
3,3
52
,48
3
17
.59
%
$1
3,5
22
PR
EP
AR
AT
ION
, T
RA
NS
MIT
TA
L O
R F
ILIN
G
19
7
80
14
.95
%
$9
1,8
49
$7
,347
,92
0
9.6
8%
$
23
,30
2
PR
E-T
RIA
L,
PR
E-H
EA
RIN
G
18
8
61
11
.40
%
$1
67
,28
1
$1
0,2
04
,15
6
13
.45
%
$3
5,6
56
SE
TT
LE
ME
NT
AN
D N
EG
OT
IAT
ION
1
15
38
7.1
0%
$
15
1,8
72
$
5,7
71
,11
8
7.6
0%
$
17
,85
6
CO
NS
UL
TA
TIO
N O
R A
DV
ICE
9
8
27
5.0
5%
$
19
6,5
23
$
5,3
06
,12
6
6.9
9%
$
42
,90
7
TR
IAL
OR
HE
AR
ING
5
3
20
3.7
4%
$
42
1,6
96
$
8,4
33
,92
7
11
.11
%
$5
0,6
15
INV
ES
TIG
AT
ION
, O
TH
ER
TH
AN
LIT
IGA
TIO
N
44
14
2.6
2%
$
96
,23
0
$1
,347
,22
5
1.7
8%
$
23
,41
5
OT
HE
R W
RIT
TE
N O
PIN
ION
3
5
7
1.3
1%
$
13
3,4
47
$
93
4,1
28
1
.23
%
$2
4,9
27
AP
PE
AL
AC
TIV
ITIE
S
32
5
0.9
3%
$
56
,92
0
$2
84
,60
2
0.3
8%
$
19
,46
7
PO
ST
TR
IAL
OR
HE
AR
ING
2
9
8
1.5
0%
$
35
7,2
06
$
2,8
57
,65
0
3.7
7%
$
25
,24
6
TA
X R
EP
OR
TIN
G O
R P
AY
ME
NT
1
3
5
0.9
3%
$
10
0,5
49
$
50
2,7
47
0
.66
%
$2
8,5
53
EX
PA
RT
E P
RO
CE
ED
ING
S
10
1
0.1
9%
$
5,0
00
$5
,000
0.0
1%
$
25
,43
8
RE
FE
RR
AL
TO
AN
OT
HE
R P
RO
FE
SS
ION
AL
7
3
0
.56
%
$1
07
,66
7
$3
23
,00
0
0.4
3%
$
13
,09
2
TIT
LE
OP
INIO
N
2
2
0.3
7%
$
27
5,0
00
$
55
0,0
00
0
.72
%
$3
9,4
66
TO
TA
L
2,0
35
53
5
10
0.0
0%
$
14
1,8
53
$
75
,89
1,4
25
1
00
.00
%
$2
0,8
62
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
018
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
OF
AC
TIO
N O
R P
RO
CE
ED
ING
3
8
13
26
.53
%
$1
23
,54
6
$1
,606
,10
0
28
.03
%
$4
1,1
75
PR
E-T
RIA
L,
PR
E-H
EA
RIN
G
23
3
6.1
2%
$
14
3,6
67
$
43
1,0
00
7
.52
%
$1
9,3
59
PR
EP
AR
AT
ION
, T
RA
NS
MIT
TA
L O
R F
ILIN
G
18
11
22
.45
%
$7
1,8
72
$7
90
,59
7
13
.80
%
$1
0,1
49
SE
TT
LE
ME
NT
AN
D N
EG
OT
IAT
ION
1
7
7
14
.29
%
$5
8,2
87
$4
08
,00
8
7.1
2%
$
4,4
97
CO
NS
UL
TA
TIO
N O
R A
DV
ICE
1
3
3
6.1
2%
$
23
5,7
27
$
70
7,1
80
1
2.3
4%
$
72
,44
9
OT
HE
R
12
6
12
.24
%
$1
04
,88
8
$6
29
,32
7
10
.98
%
$3
4,4
05
INV
ES
TIG
AT
ION
, O
TH
ER
TH
AN
LIT
IGA
TIO
N
9
5
10
.20
%
$1
62
,00
0
$8
10
,00
0
14
.14
%
$2
5,9
38
PO
ST
TR
IAL
OR
HE
AR
ING
3
0
0
.00
%
N/A
$
0
0.0
0%
$
1,5
12
TR
IAL
OR
HE
AR
ING
3
1
2
.04
%
$3
48
,11
0
$3
48
,11
0
6.0
7%
$
53
,24
5
EX
PA
RT
E P
RO
CE
ED
ING
S
2
0
0.0
0%
N
/A
$0
0.0
0%
$
65
,81
4
AP
PE
AL
AC
TIV
ITIE
S
1
0
0.0
0%
N
/A
$0
0.0
0%
$
0
OT
HE
R W
RIT
TE
N O
PIN
ION
1
0
0
.00
%
N/A
$
0
0.0
0%
$
48
,13
2
TO
TA
L
14
0
49
10
0.0
0%
$
11
6,9
45
$
5,7
30
,32
2
10
0.0
0%
$
30
,00
9
26
TRENDS
OF THE TOP TEN
MAJOR ACTIVITY
OF 2018
27
28
COMMENCEMENT OF ACTION OR PROCEEDING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $76,562 $107,261 $93,996 $189,992 $265,000 $138,591 $105,114 $129,756 $208,997 $123,546
AVG LOSS EXPENSE $14,327 $19,830 $18,255 $5,841 $2,552 $28,793 $12,902 $12,573 $21,476 $41,175
$0
$30,000
$60,000
$90,000
$120,000
$150,000
$180,000
$210,000
$240,000
$270,000
$300,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 63 59 73 57 97 82 56 72 39 38
CLOSED WITH PAYMENT 25 14 19 6 3 14 16 18 19 13
CLOSED WITHOUT PAYMENT 38 45 54 51 94 68 40 54 20 25
0
20
40
60
80
100
120
Nu
mb
er
of
Cla
ims
29
PRE-TRIAL, PRE-HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $69,500 $72,115 $135,617 $133,817 $83,200 $292,200 $161,250 $338,496 $279,834 $143,667
AVG LOSS EXPENSE $17,793 $39,738 $30,963 $61,609 $5,815 $125,286 $83,885 $23,589 $12,032 $19,359
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 20 19 24 26 26 12 8 10 20 23
CLOSED WITH PAYMENT 4 3 13 13 5 5 4 3 8 3
CLOSED WITHOUT PAYMENT 16 16 11 13 21 7 4 7 12 20
0
5
10
15
20
25
30
35
40
45
50
Nu
mb
er
of
Cla
ims
30
PREPARATION, TRANSMITTAL OR FILING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $69,686 $69,568 $70,444 $97,500 $372,500 $130,832 $128,500 $60,777 $89,061 $71,872
AVG LOSS EXPENSE $20,935 $41,806 $31,049 $22,834 $18,615 $57,232 $14,451 $8,899 $16,623 $10,149
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 23 21 23 7 12 17 14 33 29 18
CLOSED WITH PAYMENT 7 10 9 2 3 7 3 13 15 11
CLOSED WITHOUT PAYMENT 16 11 14 5 9 10 11 20 14 7
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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $80,666 $1,463,067 $47,968 $68,000 $26,785 $282,877 $37,500 $119,143 $19,125 $58,287
AVG LOSS EXPENSE $24,886 $31,498 $2,654 $20,280 $64,926 $4,024 $6,799 $23,152 $11,415 $4,497
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 16 9 7 9 8 6 15 11 17 17
CLOSED WITH PAYMENT 6 2 2 3 1 2 4 7 4 7
CLOSED WITHOUT PAYMENT 10 7 5 6 7 4 11 4 13 10
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
32
CONSULTATION OR ADVICE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $264,538 $75,000 $42,500 $1,000,000 $105,402 $64,450 $202,750 $136,000 $200,000 $235,727
AVG LOSS EXPENSE $61,045 $24,956 $22,878 $79,248 $38,425 $8,249 $89,270 $17,523 $16,850 $72,449
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 12 11 13 7 7 5 8 13 9 13
CLOSED WITH PAYMENT 5 3 2 1 2 1 4 5 1 3
CLOSED WITHOUT PAYMENT 7 8 11 6 5 4 4 8 8 10
0
15
30
45
60
75
90
105
120
Nu
mb
er
of
Cla
ims
33
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
OTHER
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $25,923 $27,447 $56,046 $180,578 $39,476 $210,421 $183,125 $48,100 $482,503 $104,888
AVG LOSS EXPENSE $2,127 $6,718 $2,312 $29,090 $3,113 $25,813 $16,739 $9,110 $96,403 $34,405
$0
$75,000
$150,000
$225,000
$300,000
$375,000
$450,000
$525,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 61 88 91 84 102 52 44 28 14 12
CLOSED WITH PAYMENT 9 19 24 15 6 10 12 10 6 6
CLOSED WITHOUT PAYMENT 52 69 67 69 96 42 32 18 8 6
0
15
30
45
60
75
90
105
120
Nu
mb
er
of
Cla
ims
34
INVESTIGATION, OTHER THAN LITIGATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $32,833 $25,000 $0 $5,000 $135,908 $0 $0 $0 $1,000 $162,000
AVG LOSS EXPENSE $11,959 $8,799 $300,210 $4,946 $804 $804 $2,164 $0 $9,710 $25,938
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 7 2 2 5 4 3 3 3 6 9
CLOSED WITH PAYMENT 3 1 0 1 3 0 0 0 1 5
CLOSED WITHOUT PAYMENT 4 1 2 4 1 3 3 3 5 4
0
3
6
9
12
15
18
Nu
mb
er
of
Cla
ims
35
POST TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $125,000 $575,000 $19,500 $0 $2,650 $0 $1,047,500 $21,000 $0
AVG LOSS EXPENSE $10,445 $47,367 $28,402 $31,038 $0 $0 $0 $65,865 $13,157 $1,512
$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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 4 7 3 4 2 2 1 2 1 3
CLOSED WITH PAYMENT 0 1 1 2 0 1 0 2 1 0
CLOSED WITHOUT PAYMENT 4 6 2 2 2 1 1 0 0 3
0
2
4
6
8
10
12
Nu
mb
er
of
Cla
ims
36
TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $490,606 $29,267 $700,000 $432,500 $0 $355,000 $497,222 $0 $477,731 $348,110
AVG LOSS EXPENSE $83,873 $76,378 $7,309 $14,701 $0 $32,346 $96,035 $24,036 $52,128 $53,245
$0
$75,000
$150,000
$225,000
$300,000
$375,000
$450,000
$525,000
$600,000
$675,000
$750,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 10 6 7 9 1 4 6 1 6 3
CLOSED WITH PAYMENT 4 2 1 4 0 2 3 0 3 1
CLOSED WITHOUT PAYMENT 6 4 6 5 1 2 3 1 3 2
0
2
4
6
8
10
12
14
Nu
mb
er
of
Cla
ims
37
EXPARTE PROCEEDINGS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $0 $0 $5,000 $0 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $0 $58,877 $0 $2,500 $0 $0 $0 $0 $0 $65,814
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 0 2 1 2 1 0 1 0 1 2
CLOSED WITH PAYMENT 0 0 0 1 0 0 0 0 0 0
CLOSED WITHOUT PAYMENT 0 2 1 1 1 0 1 0 1 2
0
1
2
3
4
5
6
7
8
9
10
Nu
mb
er
of
Cla
ims
38
TEN YEAR SUMMARY
&
2018 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
9-2
018
ER
RO
R O
R O
MIS
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N
AL
L
CL
OS
ED
C
LA
IMS
NU
MB
ER
O
F P
AID
C
LA
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PE
RC
EN
T O
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PA
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LA
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AV
ER
AG
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IND
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NIT
Y
PA
ID
PE
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AID
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IM
TO
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IND
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PE
RC
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F
TO
TA
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IND
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Y
AV
ER
AG
E
LO
SS
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XP
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SE
F
OR
AL
L
CL
OS
ED
C
LA
IMS
OT
HE
R
50
2
60
11
.21
%
$1
00
,62
0
$6
,037
,18
0
7.9
6%
$
11
,72
3
FA
IL T
O A
SC
ER
TA
IN D
EA
DL
INE
CO
RR
EC
TL
Y
24
9
76
14
.21
%
$1
57
,04
6
$1
1,9
35
,49
7
15
.73
%
$7
,338
PL
AN
NIN
G O
R S
TR
AT
EG
Y E
RR
OR
2
08
62
11
.59
%
$2
10
,74
7
$1
3,0
66
,32
7
17
.22
%
$2
9,5
94
FA
IL T
O K
NO
W O
R P
RO
PE
RL
Y A
PP
LY
TH
E L
AW
1
81
62
11
.59
%
$1
22
,82
0
$7
,614
,83
4
10
.03
%
$2
6,8
31
INA
DE
QU
AT
E I
NV
ES
TIG
AT
ION
1
23
42
7.8
5%
$
14
3,5
28
$
6,0
28
,16
9
7.9
4%
$
32
,31
2
FA
IL T
O F
OL
LO
W C
LIE
NT
S I
NS
TR
UC
TIO
NS
9
4
20
3.7
4%
$
15
7,9
62
$
3,1
59
,24
6
4.1
6%
$
19
,14
7
FR
AU
D
93
20
3.7
4%
$
10
8,3
13
$
2,1
66
,26
6
2.8
5%
$
39
,37
7
PR
OC
RA
ST
INA
TIO
N O
R L
AC
K O
F F
OL
LO
W-U
P
83
25
4.6
7%
$
17
5,6
91
$
4,3
92
,27
8
5.7
9%
$
17
,80
2
FA
IL T
O F
ILE
DO
CU
ME
NT
S W
ITH
NO
DE
AD
LIN
E
74
29
5.4
2%
$
44
,19
6
$1
,281
,67
9
1.6
9%
$
12
,29
2
MA
LIC
IOU
S P
RO
SE
CU
TIO
N O
R A
BU
SE
OF
PR
OC
ES
S
73
17
3.1
8%
$
39
,99
0
$6
79
,83
3
0.9
0%
$
29
,68
8
CO
NF
LIC
T O
F I
NT
ER
ES
T
70
24
4.4
9%
$
31
0,9
62
$
7,4
63
,08
3
9.8
3%
$
77
,71
4
FA
ILU
RE
TO
CA
LE
ND
AR
PR
OP
ER
LY
6
2
37
6.9
2%
$
10
7,1
20
$
3,9
63
,45
4
5.2
2%
$
16
,44
9
FA
IL T
O O
BT
AIN
CL
IEN
TS
CO
NS
EN
T
42
6
1.1
2%
$
48
6,6
94
$
2,9
20
,16
1
3.8
5%
$
23
,06
1
FA
ILU
RE
TO
RE
AC
T T
O C
AL
EN
DA
R
38
17
3.1
8%
$
10
8,3
72
$
1,8
42
,31
8
2.4
3%
$
13
,10
4
VIO
LA
TIO
N O
F C
IVIL
RIG
HT
S
36
6
1.1
2%
$
70
,93
3
$4
25
,60
0
0.5
6%
$
9,9
20
CL
ER
ICA
L E
RR
OR
3
4
11
2.0
6%
$
53
,25
8
$5
85
,84
2
0.7
7%
$
14
,15
5
ER
RO
R I
N M
AT
HE
MA
TIC
AL
CA
LC
UL
AT
ION
1
7
9
1.6
8%
$
50
,55
4
$4
54
,98
9
0.6
0%
$
13
,91
2
FA
IL T
O A
NT
ICIP
AT
E T
AX
CO
NS
EQ
UE
NC
ES
1
6
4
0.7
5%
$
37
3,4
17
$
1,4
93
,66
9
1.9
7%
$
25
,62
8
LIB
EL
OR
SL
AN
DE
R
14
2
0.3
7%
$
35
,00
0
$7
0,0
00
0
.09
%
$1
2,5
06
IMP
RO
PE
R W
ITH
DR
AW
AL
FR
OM
RE
PR
ES
EN
TA
TIO
N
12
2
0.3
7%
$
23
,75
0
$4
7,5
00
0
.06
%
$2
,846
ER
RO
R I
N P
UB
LIC
RE
CO
RD
SE
AR
CH
9
3
0
.56
%
$2
2,8
33
$6
8,5
00
0
.09
%
$8
,926
LO
ST
FIL
E,
DO
CU
ME
NT
OR
EV
IDE
NC
E
4
1
0.1
9%
$
19
5,0
00
$
19
5,0
00
0
.26
%
$9
,628
NO
T S
PE
CIF
IED
1
0.0
0%
N
/A
$0
0.0
0%
$
0
TO
TA
L
2,0
35
53
5
10
0.0
0%
$
14
1,8
53
$
75
,89
1,4
25
1
00
.00
%
$2
0,8
62
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
018
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
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LA
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AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
PE
R P
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C
LA
IM
TO
TA
L
IND
EM
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Y
PE
RC
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F
TO
TA
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IND
EM
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Y
AV
ER
AG
E
LO
SS
E
XP
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SE
F
OR
AL
L
CL
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ED
C
LA
IMS
FA
IL T
O K
NO
W O
R P
RO
PE
RL
Y A
PP
LY
TH
E L
AW
1
8
9
18
.37
%
$1
31
,70
1
$1
,185
,31
0
20
.68
%
$5
5,5
07
PL
AN
NIN
G O
R S
TR
AT
EG
Y E
RR
OR
1
6
2
4.0
8%
$
17
5,1
80
$
35
0,3
60
6
.11
%
$4
4,6
65
INA
DE
QU
AT
E I
NV
ES
TIG
AT
ION
1
3
4
8.1
6%
$
26
,21
3
$1
04
,85
1
1.8
3%
$
21
,63
4
FA
IL T
O A
SC
ER
TA
IN D
EA
DL
INE
CO
RR
EC
TL
Y
12
7
14
.29
%
$8
1,3
86
$5
69
,70
0
9.9
4%
$
6,6
65
FR
AU
D
12
2
4.0
8%
$
34
,50
0
$6
9,0
00
1
.20
%
$2
6,2
82
OT
HE
R
10
3
6.1
2%
$
23
4,1
67
$
70
2,5
00
1
2.2
6%
$
35
,46
1
FA
IL T
O O
BT
AIN
CL
IEN
TS
CO
NS
EN
T
6
1
2.0
4%
$
46
0,1
61
$
46
0,1
61
8
.03
%
$2
1,6
71
FA
ILU
RE
TO
RE
AC
T T
O C
AL
EN
DA
R
6
2
4.0
8%
$
10
7,5
00
$
21
5,0
00
3
.75
%
$1
,980
VIO
LA
TIO
N O
F C
IVIL
RIG
HT
S
6
2
4.0
8%
$
10
,30
0
$2
0,6
00
0
.36
%
$7
,768
CO
NF
LIC
T O
F I
NT
ER
ES
T
5
3
6.1
2%
$
44
1,6
67
$
1,3
25
,00
0
23
.12
%
$1
05
,19
1
FA
IL T
O F
OL
LO
W C
LIE
NT
S I
NS
TR
UC
TIO
NS
5
2
4
.08
%
$6
3,8
73
$1
27
,74
6
2.2
3%
$
23
,74
0
FA
ILU
RE
TO
CA
LE
ND
AR
PR
OP
ER
LY
5
3
6
.12
%
$2
9,0
60
$8
7,1
80
1
.52
%
$6
,026
MA
LIC
IOU
S P
RO
SE
CU
TIO
N O
R A
BU
SE
OF
PR
OC
ES
S
5
1
2.0
4%
$
55
,00
0
$5
5,0
00
0
.96
%
$7
8,9
59
PR
OC
RA
ST
INA
TIO
N O
R L
AC
K O
F F
OL
LO
W-U
P
5
0
0.0
0%
N
/A
$0
0.0
0%
$
7,1
64
CL
ER
ICA
L E
RR
OR
4
3
6
.12
%
$8
7,1
58
$2
61
,47
4
4.5
6%
$
10
,79
7
ER
RO
R I
N M
AT
HE
MA
TIC
AL
CA
LC
UL
AT
ION
3
2
4
.08
%
$6
5,0
00
$1
30
,00
0
2.2
7%
$
1,6
57
FA
IL T
O F
ILE
DO
CU
ME
NT
S W
ITH
NO
DE
AD
LIN
E
3
3
6.1
2%
$
22
,14
7
$6
6,4
40
1
.16
%
$0
IMP
RO
PE
R W
ITH
DR
AW
AL
FR
OM
RE
PR
ES
EN
TA
TIO
N
3
0
0.0
0%
N
/A
$0
0.0
0%
$
0
FA
IL T
O A
NT
ICIP
AT
E T
AX
CO
NS
EQ
UE
NC
ES
2
0
0
.00
%
N/A
$
0
0.0
0%
$
57
,08
4
ER
RO
R I
N P
UB
LIC
RE
CO
RD
SE
AR
CH
1
0
0
.00
%
N/A
$
0
0.0
0%
$
0
TO
TA
L
14
0
49
10
0.0
0%
$
11
6,9
45
$
5,7
30
,32
2
10
0.0
0%
$
30
,00
9
42
TRENDS
OF THE TOP TEN
ERRORS OR OMISSIONS
OF 2018
43
44
FAILURE TO KNOW OR PROPERLY APPLY THE LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $47,803 $95,154 $83,500 $155,900 $22,268 $64,275 $199,625 $86,960 $311,375 $131,701
AVG LOSS EXPENSE $43,640 $32,624 $11,307 $36,119 $6,452 $46,633 $43,061 $10,455 $11,385 $55,507
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 18 13 20 15 19 13 14 35 16 18
CLOSED WITH PAYMENT 7 5 8 5 3 4 4 10 7 9
CLOSED WITHOUT PAYMENT 11 8 12 10 16 9 10 25 9 9
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
45
PLANNING OR STRATEGY ERROR
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $230,381 $384,386 $247,734 $85,753 $172,045 $252,229 $211,250 $224,000 $98,298 $175,180
AVG LOSS EXPENSE $46,027 $54,173 $15,244 $22,466 $4,236 $53,307 $55,241 $20,537 $16,568 $44,665
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 15 28 27 25 27 13 11 21 25 16
CLOSED WITH PAYMENT 5 10 9 9 5 4 4 5 9 2
CLOSED WITHOUT PAYMENT 10 18 18 16 22 9 7 16 16 14
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
46
INADEQUATE INVESTIGATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $77,500 $30,390 $74,500 $94,045 $375,000 $202,264 $75,000 $444,125 $30,400 $26,213
AVG LOSS EXPENSE $15,700 $30,962 $10,919 $86,762 $402 $39,950 $24,396 $29,908 $21,250 $21,634
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 5 20 16 18 8 10 8 15 10 13
CLOSED WITH PAYMENT 1 5 6 6 1 7 1 6 5 4
CLOSED WITHOUT PAYMENT 4 15 10 12 7 3 7 9 5 9
0
3
6
9
12
15
18
21
24
Nu
mb
er
of
Cla
ims
47
FAILURE TO ASCERTAIN DEADLINE CORRECTLY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $202,692 $37,273 $94,616 $461,315 $0 $360,000 $222,738 $50,833 $171,103 $81,386
AVG LOSS EXPENSE $7,316 $2,625 $9,105 $13,250 $154 $8,924 $3,957 $7,955 $23,501 $6,665
$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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 20 36 49 29 31 20 23 18 11 12
CLOSED WITH PAYMENT 6 11 16 7 0 4 7 9 9 7
CLOSED WITHOUT PAYMENT 14 25 33 22 31 16 16 9 2 5
0
5
10
15
20
25
30
35
40
45
50
55
60
Nu
mb
er
of
Cla
ims
48
FRAUD
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $12,500 $0 $57,801 $37,500 $0 $400,000 $153,516 $0 $127,417 $34,500
AVG LOSS EXPENSE $12,862 $22,501 $23,890 $8,098 $0 $169,931 $59,242 $4,484 $87,027 $26,282
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 9 8 15 7 6 4 12 6 14 12
CLOSED WITH PAYMENT 1 0 4 2 0 1 4 0 6 2
CLOSED WITHOUT PAYMENT 8 8 11 5 6 3 8 6 8 10
0
3
6
9
12
15
18
21
Nu
mb
er
of
Cla
ims
49
OTHER
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $121,704 $53,230 $52,733 $96,856 $31,095 $78,170 $163,208 $214,749 $2,250 $234,167
AVG LOSS EXPENSE $8,997 $16,758 $1,107 $9,676 $2,234 $26,644 $7,626 $22,815 $634 $35,461
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 73 52 47 52 107 96 49 12 4 10
CLOSED WITH PAYMENT 9 11 6 4 3 13 6 4 1 3
CLOSED WITHOUT PAYMENT 64 41 41 48 104 83 43 8 3 7
0
10
20
30
40
50
60
70
80
90
100
110
120
Nu
mb
er
of
Cla
ims
50
FAILURE TO OBTAIN CLIENTS CONSENT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $0 $0 $30,000 $0 $0 $350,000 $50,000 $2,000,000 $460,161
AVG LOSS EXPENSE $1,033 $0 $118,558 $4,603 $4,305 $5,837 $10,555 $18,953 $25,142 $21,671
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
$1,800,000
$2,000,000
$2,200,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 4 5 5 5 5 1 5 2 4 6
CLOSED WITH PAYMENT 0 0 0 2 0 0 1 1 1 1
CLOSED WITHOUT PAYMENT 4 5 5 3 5 1 4 1 3 5
0
2
4
6
8
10
12
14
16
Nu
mb
er
of
Cla
ims
51
FAILURE TO REACT TO CALENDAR
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $121,903 $0 $64,749 $30,000 $130,000 $260,000 $0 $0 $95,000 $107,500
AVG LOSS EXPENSE $33,459 $5,542 $2,400 $0 $1,924 $80,813 $0 $0 $3,990 $1,980
$0
$30,000
$60,000
$90,000
$120,000
$150,000
$180,000
$210,000
$240,000
$270,000
$300,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 11 1 5 4 4 1 3 0 3 6
CLOSED WITH PAYMENT 7 0 4 1 1 1 0 0 1 2
CLOSED WITHOUT PAYMENT 4 1 1 3 3 0 3 0 2 4
0
2
4
6
8
10
12
14
16
18
Nu
mb
er
of
Cla
ims
52
VIOLATION OF CIVIL RIGHTS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $75,000 $100,000 $30,000 $0 $200,000 $0 $0 $0 $0 $10,300
AVG LOSS EXPENSE $9,683 $10,088 $2,801 $27,484 $23,752 $5,624 $0 $584 $4,508 $7,768
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
$180,000
$200,000
$220,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 5 3 5 4 3 3 0 3 4 6
CLOSED WITH PAYMENT 1 1 1 0 1 0 0 0 0 2
CLOSED WITHOUT PAYMENT 4 2 4 4 2 3 0 3 4 4
0
1
2
3
4
5
6
7
8
Nu
mb
er
of
Cla
ims
53
CONFLICT OF INTEREST
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $1,147,032 $0 $0 $41,250 $0 $456,918 $200,500 $83,802 $320,191 $441,667
AVG LOSS EXPENSE $108,636 $20,634 $59,676 $215,739 $174,111 $128,676 $52,434 $15,441 $38,919 $105,191
$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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 5 4 6 6 4 5 9 8 18 5
CLOSED WITH PAYMENT 1 0 0 1 0 3 5 4 7 3
CLOSED WITHOUT PAYMENT 4 4 6 5 4 2 4 4 11 2
0
2
4
6
8
10
12
14
16
18
20
Nu
mb
er
of
Cla
ims
54
TEN YEAR SUMMARY
&
2018 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
9-2
018
CL
AIM
DIS
PO
SIT
ION
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
BE
FO
RE
TR
IAL
OR
HE
AR
ING
8
68
31
7
59
.25
%
$1
62
,05
1
$5
1,3
70
,14
6
67
.69
%
$3
2,7
46
BE
FO
RE
FIL
ING
SU
IT O
R D
EM
AN
DIN
G H
EA
RIN
G
77
2
19
1
35
.70
%
$9
9,4
80
$1
9,0
00
,75
4
25
.04
%
$3
,833
CL
AIM
OR
SU
IT A
BA
ND
ON
ED
2
02
1
0.1
9%
$
6,5
00
$6
,500
0.0
1%
$
2,3
09
AF
TE
R A
PP
EA
L
54
2
0.3
7%
$
62
,50
0
$1
25
,00
0
0.1
6%
$
59
,77
1
AF
TE
R J
UD
GM
EN
T, B
EF
OR
E A
PP
EA
L
45
10
1.8
7%
$
21
8,4
72
$
2,1
84
,71
9
2.8
8%
$
62
,36
9
AF
TE
R T
RIA
L O
R H
EA
RIN
G,
BE
FO
RE
JU
DG
ME
NT
3
6
4
0.7
5%
$
14
2,6
93
$
57
0,7
71
0
.75
%
$3
1,8
37
DU
RIN
G T
RIA
L O
R H
EA
RIN
G
32
7
1.3
1%
$
29
2,6
32
$
2,0
48
,42
5
2.7
0%
$
65
,21
4
DU
RIN
G A
PP
EA
L
15
3
0.5
6%
$
19
5,0
37
$
58
5,1
10
0
.77
%
$8
2,9
46
DU
RIN
G R
EV
IEW
PA
NE
L
11
0
0.0
0%
N
/A
$0
0.0
0%
$
8,4
65
TO
TA
L
2,0
35
53
5
10
0.0
0%
$
14
1,8
53
$
75
,89
1,4
25
1
00
.00
%
$2
0,8
62
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
018
CL
AIM
DIS
PO
SIT
ION
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
BE
FO
RE
TR
IAL
OR
HE
AR
ING
5
6
25
51
.02
%
$1
45
,97
8
$3
,649
,43
9
63
.69
%
$4
3,8
91
BE
FO
RE
FIL
ING
SU
IT O
R D
EM
AN
DIN
G H
EA
RIN
G
55
22
44
.90
%
$7
7,6
26
$1
,707
,77
3
29
.80
%
$3
,331
CL
AIM
OR
SU
IT A
BA
ND
ON
ED
1
3
0
0.0
0%
N
/A
$0
0.0
0%
$
2,3
25
AF
TE
R A
PP
EA
L
9
1
2.0
4%
$
25
,00
0
$2
5,0
00
0
.44
%
$1
06
,20
9
DU
RIN
G A
PP
EA
L
3
1
2.0
4%
$
34
8,1
10
$
34
8,1
10
6
.07
%
$8
4,1
86
AF
TE
R J
UD
GM
EN
T, B
EF
OR
E A
PP
EA
L
2
0
0.0
0%
N
/A
$0
0.0
0%
$
12
4,1
52
DU
RIN
G R
EV
IEW
PA
NE
L
1
0
0.0
0%
N
/A
$0
0.0
0%
$
73
,11
3
DU
RIN
G T
RIA
L O
R H
EA
RIN
G
1
0
0.0
0%
N
/A
$0
0.0
0%
$
0
TO
TA
L
14
0
49
10
0.0
0%
$
11
6,9
45
$
5,7
30
,32
2
10
0.0
0%
$
30
,00
9
58
TRENDS OF
CLAIM DISPOSITIONS
OF 2018
59
60
BEFORE TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $118,951 $168,776 $114,004 $168,186 $127,165 $152,265 $197,745 $146,832 $247,204 $145,978
AVG LOSS EXPENSE $48,822 $31,974 $19,115 $44,102 $3,399 $50,470 $48,454 $24,178 $39,997 $43,891
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 66 73 106 111 141 88 76 73 78 56
CLOSED WITH PAYMENT 36 28 43 33 13 28 32 35 44 25
CLOSED WITHOUT PAYMENT 30 45 63 78 128 60 44 38 34 31
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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $34,640 $63,181 $71,226 $221,950 $171,781 $176,933 $83,314 $111,386 $88,112 $77,626
AVG LOSS EXPENSE $1,582 $1,458 $3,815 $5,060 $2,567 $11,388 $4,634 $1,268 $6,280 $3,331
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 102 90 93 77 83 69 72 83 48 55
CLOSED WITH PAYMENT 23 24 25 16 9 15 18 22 17 22
CLOSED WITHOUT PAYMENT 79 66 68 61 74 54 54 61 31 33
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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $0 $6,500 $0 $0
AVG LOSS EXPENSE $1,137 $307 $2,353 $686 $7,005 $531 $79 $3,608 $7,015 $2,325
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 35 31 31 16 17 11 16 14 18 13
CLOSED WITH PAYMENT 0 0 0 0 0 0 0 1 0 0
CLOSED WITHOUT PAYMENT 35 31 31 16 17 11 16 13 18 13
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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $100,000 $0 $0 $0 $0 $0 $0 $0 $25,000
AVG LOSS EXPENSE $14,833 $62,794 $124,465 $17,604 $19,091 $66,539 $35,975 $36,440 $31,927 $106,209
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 4 11 5 2 6 5 5 3 4 9
CLOSED WITH PAYMENT 0 1 0 0 0 0 0 0 0 1
CLOSED WITHOUT PAYMENT 4 10 5 2 6 5 5 3 4 8
0
2
4
6
8
10
12
14
Nu
mb
er
of
Cla
ims
64
DURING APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $125,000 $112,000 $0 $0 $0 $0 $0 $0 $348,110
AVG LOSS EXPENSE $51,592 $204,797 $138,874 $0 $0 $113,828 $0 $0 $0 $84,186
$0
$30,000
$60,000
$90,000
$120,000
$150,000
$180,000
$210,000
$240,000
$270,000
$300,000
$330,000
$360,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 1 2 3 2 1 1 1 1 0 3
CLOSED WITH PAYMENT 0 1 1 0 0 0 0 0 0 1
CLOSED WITHOUT PAYMENT 1 1 2 2 1 1 1 1 0 2
0
1
2
3
4
5
6
7
8
Nu
mb
er
of
Cla
ims
65
AFTER JUDGMENT, BEFORE APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $450,416 $46,092 $140,785 $0 $11,500 $0 $0 $196,335 $0 $0
AVG LOSS EXPENSE $43,696 $105,263 $29,025 $169,124 $77,787 $16,363 $13,888 $51,791 $0 $124,152
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 5 9 4 2 7 8 4 4 0 2
CLOSED WITH PAYMENT 3 2 1 0 1 0 0 3 0 0
CLOSED WITHOUT PAYMENT 2 7 3 2 6 8 4 1 0 2
0
1
2
3
4
5
6
7
8
9
10
Nu
mb
er
of
Cla
ims
66
DURING REVIEW PANEL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $4,000 $0 $0 $0 $0 $0 $0 $0 $0 $73,113
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
$100,000
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
ALL CLAIMS 1 1 1 2 3 2 1 1 1 1
CLOSED WITH PAYMENT 0 0 0 1 1 0 0 0 0 0
CLOSED WITHOUT PAYMENT 1 1 1 1 2 2 1 1 1 1
0
1
2
3
4
5
6
7
8
Nu
mb
er
of
Cla
ims
67
DURING TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $149,650 $5,276 $50,000 $0 $0 $345,251 $0 $807,745 $0 $0
AVG LOSS EXPENSE $58,230 $36,272 $71,127 $260,284 $86,931 $53,352 $33,388 $190,670 $0 $0
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 5 5 5 1 3 9 2 1 0 1
CLOSED WITH PAYMENT 1 1 1 0 0 3 0 1 0 0
CLOSED WITHOUT PAYMENT 4 4 4 1 3 6 2 0 0 1
0
2
4
6
8
10
Nu
mb
er
of
Cla
ims
68
TEN YEAR SUMMARY
&
2018 SUMMARY
BY
YEARS ADMITTED TO PRACTICE
69
70
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
9-2
018
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
OV
ER
10
YE
AR
S
1,9
28
49
9
93
.27
%
$1
44
,11
9
$7
1,9
15
,42
6
94
.76
%
$2
1,3
93
4 T
O 1
0 Y
EA
RS
8
7
30
5.6
1%
$
92
,45
0
$2
,773
,49
9
3.6
5%
$
8,8
28
UN
DE
R 4
YE
AR
S
20
6
1.1
2%
$
20
0,4
17
$
1,2
02
,50
0
1.5
8%
$
21
,97
3
TO
TA
L
2,0
35
53
5
10
0.0
0%
$
14
1,8
53
$
75
,89
1,4
25
1
00
.00
%
$2
0,8
62
71
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
018
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
OV
ER
10
YE
AR
S
12
1
45
91
.84
%
$1
21
,10
5
$5
,449
,72
5
95
.10
%
$3
1,5
65
4 T
O 1
0 Y
EA
RS
1
2
3
6.1
2%
$
86
,86
6
$2
60
,59
7
4.5
5%
$
10
,99
8
UN
DE
R 4
YE
AR
S
7
1
2.0
4%
$
20
,00
0
$2
0,0
00
0
.35
%
$3
5,6
96
TO
TA
L
14
0
49
10
0.0
0%
$
11
6,9
45
$
5,7
30
,32
2
10
0.0
0%
$
30
,00
9
72
TRENDS
OF
YEARS ADMITTED TO PRACTICE
FOR 2018
73
74
OVER 10 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $109,644 $114,928 $96,545 $201,277 $140,727 $168,275 $154,837 $147,464 $209,621 $121,105
AVG LOSS EXPENSE $19,224 $23,135 $16,581 $30,327 $6,064 $33,792 $24,457 $13,580 $25,563 $31,565
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 222 220 241 204 251 185 168 173 143 121
CLOSED WITH PAYMENT 62 57 68 46 17 39 46 60 59 45
CLOSED WITHOUT PAYMENT 160 163 173 158 234 146 122 113 84 76
0
25
50
75
100
125
150
175
200
225
250
275
Nu
mb
er
of
Cla
ims
75
4 TO 10 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $3,463 $0 $107,500 $23,333 $38,661 $198,632 $121,667 $50,000 $3,625 $86,866
AVG LOSS EXPENSE $3,095 $2,148 $6,297 $2,425 $14,121 $9,969 $28,242 $2,931 $4,568 $10,998
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 5 10 10 9 10 14 7 6 4 12
CLOSED WITH PAYMENT 2 0 4 3 5 7 3 1 2 3
CLOSED WITHOUT PAYMENT 3 10 6 6 5 7 4 5 2 9
0
2
4
6
8
10
12
14
16
18
Nu
mb
er
of
Cla
ims
76
UNDER 4 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $0 $120,000 $0 $2,500 $625,000 $0 $340,000 $95,000 $0 $20,000
AVG LOSS EXPENSE $0 $17,064 $0 $5,999 $22,650 $0 $13,129 $30,547 $1,293 $35,696
$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
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 0 2 0 2 3 2 1 2 1 7
CLOSED WITH PAYMENT 0 1 0 1 1 0 1 1 0 1
CLOSED WITHOUT PAYMENT 0 1 0 1 2 2 0 1 1 6
0
1
2
3
4
5
6
7
8
9
10
Nu
mb
er
of
Cla
ims
77
78
TEN YEAR SUMMARY
&
2018 SUMMARY
BY
INSURED/CLAIMANT RELATIONSHIP
79
80
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
9-2
018
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
CL
IEN
T O
TH
ER
TH
AN
AB
OV
E
1,4
18
42
2
78
.88
%
$1
56
,56
7
$6
6,0
71
,20
8
87
.06
%
$2
3,0
04
NO
N-C
LIE
NT
6
06
11
0
20
.56
%
$8
5,0
16
$9
,351
,71
7
12
.32
%
$1
4,2
15
ME
MB
ER
PR
E-P
AID
LE
GA
L P
LA
N
8
3
0.5
6%
$
15
6,1
67
$
46
8,5
00
0
.62
%
$7
7,7
68
FR
EE
LE
GA
L S
ER
VIC
E
3
0
0.0
0%
N
/A
$0
0.0
0%
$
19
9,3
86
TO
TA
L
2,0
35
53
5
10
0.0
0%
$
14
1,8
53
$
75
,89
1,4
25
1
00
.00
%
$2
0,8
62
81
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
018
INS
UR
ED
’S R
EL
AT
ION
SH
IP T
O T
HE
C
LA
IMA
NT
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
CL
IEN
T O
TH
ER
TH
AN
AB
OV
E
94
35
71
.43
%
$8
4,9
26
$2
,972
,40
0
51
.87
%
$3
1,2
27
NO
N-C
LIE
NT
4
6
14
28
.57
%
$1
96
,99
4
$2
,757
,92
2
48
.13
%
$2
7,5
19
TO
TA
L
14
0
49
10
0.0
0%
$
11
6,9
45
$
5,7
30
,32
2
10
0.0
0%
$
30
,00
9
82
TRENDS
OF
INSURED/CLAIMANT
RELATIONSHIP
FOR 2018
83
84
CLIENT OTHER THAN FREE LEGAL SERVICE OR MEMBER OF PRE-PAID LEGAL PLAN
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $121,958 $126,677 $99,444 $209,356 $140,937 $191,034 $175,022 $171,740 $256,972 $84,926
AVG LOSS EXPENSE $22,959 $22,082 $12,817 $35,483 $7,183 $40,006 $23,534 $14,392 $30,359 $31,227
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 166 157 174 146 176 142 131 130 102 94
CLOSED WITH PAYMENT 53 47 56 40 21 36 42 48 44 35
CLOSED WITHOUT PAYMENT 113 110 118 106 155 106 89 82 58 59
0
25
50
75
100
125
150
175
200
225
250
275
Nu
mb
er
of
Cla
ims
85
NON-CLIENT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
AVG PAID INDEMNITY $31,005 $65,187 $89,138 $76,889 $125,500 $107,592 $67,509 $53,526 $54,289 $196,994
AVG LOSS EXPENSE $7,737 $22,380 $16,268 $8,421 $5,286 $12,209 $28,012 $10,921 $10,656 $27,519
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
$180,000
$200,000
$220,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ALL CLAIMS 61 75 76 65 87 57 44 51 44 46
CLOSED WITH PAYMENT 11 11 16 9 2 10 7 14 16 14
CLOSED WITHOUT PAYMENT 50 64 60 56 85 47 37 37 28 32
0
10
20
30
40
50
60
70
80
90
100
Nu
mb
er
of
Cla
ims
86
PREMIUM AND
LOSS DATA
87
88
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
2018 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
29
513
BA
R P
LA
N M
UT
UA
L I
NS
UR
AN
CE
CO
MP
AN
Y T
HE
5
9.4
9%
$
9,1
22
,25
4
$9
,583
,39
3
$3
,877
,89
3
40
.46
%
20
443
CO
NT
INE
NT
AL
CA
SU
AL
TY
CO
MP
AN
Y
19
.24
%
$2
,949
,96
3
$3
,190
,61
8
$2
,078
,93
7
65
.16
%
32
450
AL
PS
PR
OP
ER
TY
& C
AS
UA
LT
Y C
OM
PA
NY
6
.86
%
$1
,052
,41
1
$9
76
,73
6
$2
35
,54
5
24
.12
%
22
292
HA
NO
VE
R I
NS
UR
AN
CE
CO
MP
AN
Y T
HE
4
.99
%
$7
65
,19
2
$7
71
,82
9
($8
50
,906
) -1
10
.25
%
24
147
OL
D R
EP
UB
LIC
IN
SU
RA
NC
E C
OM
PA
NY
2
.24
%
$3
43
,27
2
$3
82
,13
0
$3
32
,89
6
87
.12
%
37
273
AX
IS I
NS
UR
AN
CE
CO
MP
AN
Y
1.7
4%
$
26
6,0
91
$2
58
,63
2
$5
32
,71
9
20
5.9
8%
31
194
TR
AV
EL
ER
S C
AS
UA
LT
Y A
ND
SU
RE
TY
CO
OF
AM
ER
1
.47
%
$2
25
,30
2
$2
12
,84
6
$3
0,0
59
1
4.1
2%
23
841
NE
W H
AM
PS
HIR
E I
NS
UR
AN
CE
CO
MP
AN
Y
1.2
4%
$
19
0,0
91
$1
90
,12
7
$6
,700
3
.52
%
22
730
AL
LIE
D W
OR
LD
IN
SU
RA
NC
E C
OM
PA
NY
1
.19
%
$1
82
,83
6
$2
02
,54
1
$5
5,6
95
2
7.5
0%
29
459
TW
IN C
ITY
FIR
E I
NS
UR
AN
CE
CO
MP
AN
Y
0.8
4%
$
12
8,2
88
$7
8,9
87
$
11
,93
0
15
.10
%
19
518
CA
TL
IN I
NS
UR
AN
CE
CO
MP
AN
Y I
NC
0
.53
%
$8
1,5
17
$
80
,60
7
($3
4,5
93)
-42
.92
%
11
000
SE
NT
INE
L I
NS
UR
AN
CE
CO
MP
AN
Y L
TD
0
.06
%
$9
,393
$
4,9
28
$
0
0.0
0%
22
322
GR
EE
NW
ICH
IN
SU
RA
NC
E C
OM
PA
NY
0
.05
%
$7
,036
$
6,4
16
($
12
,02
3)
-18
7.3
9%
29
424
HA
RT
FO
RD
CA
SU
AL
TY
IN
SU
RA
NC
E C
O
0.0
3%
$
5,0
70
$
2,6
36
$
0
0.0
0%
16
624
AL
LIE
D W
OR
LD
SP
EC
IAL
TY
IN
SU
RA
NC
E C
OM
PA
NY
0
.03
%
$4
,326
$
4,1
36
$
5,9
12
1
42
.94
%
15
865
NC
MIC
IN
SU
RA
NC
E C
OM
PA
NY
0
.00
%
$0
$
0
($1
42
) N
/A
16
691
GR
EA
T A
ME
RIC
AN
IN
SU
RA
NC
E C
OM
PA
NY
0
.00
%
$0
$
0
($2
6,7
29)
N/A
21
970
BE
DIV
ER
E I
NS
UR
AN
CE
CO
MP
AN
Y
0.0
0%
$
0
$0
($
100
) N
/A
22
136
GR
EA
T A
ME
RIC
AN
IN
SU
RA
NC
E C
O O
F N
EW
YO
RK
0
.00
%
$0
$
0
($1
7)
N/A
26
344
GR
EA
T A
ME
RIC
AN
AS
SU
RA
NC
E C
OM
PA
NY
0
.00
%
$0
$
0
($2
) N
/A
27
154
AT
LA
NT
IC S
PE
CIA
LT
Y I
NS
UR
AN
CE
CO
MP
AN
Y
0.0
0%
$
0
$0
($
115
,828
) N
/A
TO
TA
L
1
00
.00
%
$1
5,3
33
,04
2
$1
5,9
46
,56
2
$6
,127
,94
6
38
.43
%
89
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
20
09
$1
5,7
87
,72
3
$1
5,9
94
,80
7
$5
,738
,19
9
35
.88
%
20
10
$1
4,9
55
,31
3
$1
5,1
24
,73
1
$9
,238
,42
7
61
.08
%
20
11
$1
4,2
69
,49
9
$1
4,6
08
,08
4
$5
,514
,13
2
37
.75
%
20
12
$1
5,3
56
,95
0
$1
5,0
88
,45
4
$9
,871
,35
2
65
.42
%
20
13
$1
5,8
43
,26
3
$1
5,2
21
,12
0
$9
,291
,23
2
61
.04
%
20
14
$1
6,7
25
,39
5
$1
6,7
87
,62
7
$8
,975
,10
8
53
.46
%
20
15
$1
6,4
52
,45
9
$1
6,4
12
,22
0
$1
1,8
73
,68
0
72
.35
%
20
16
$1
6,3
50
,72
6
$1
6,4
25
,47
2
$6
,289
,09
0
38
.29
%
20
17
$1
6,3
85
,75
4
$1
6,4
14
,56
6
$7
,242
,16
8
44
.12
%
20
18
$1
5,3
33
,04
2
$1
5,9
46
,56
2
$6
,127
,94
6
38
.43
%
10
-YE
AR
TO
TA
L
$1
57
,46
0,1
24
$
15
8,0
23,6
43
$
80
,16
1,3
34
5
0.7
3%
90
PA
GE
19
SU
PP
LE
ME
NT
LE
GA
L M
ALP
RA
CT
ICE
EX
PE
RIE
NC
E
TE
N Y
EA
R L
OS
S R
AT
IO S
UM
MA
RY
20
09
20
10
20
11
20
12
20
13
20
14
20
15
20
16
20
17
20
18
Lo
ss R
ati
o35
.88%
61
.08%
37
.75%
65
.42%
61
.04%
53
.46%
72
.35%
38
.29%
44
.12%
38
.43%
0.0
0%
10
.00%
20
.00%
30
.00%
40
.00%
50
.00%
60
.00%
70
.00%
80
.00%
Loss Ratio
91
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
