6 Best Lawyers Malpractice Insurance in Massachusetts for 2023

Thang Truong
Thang Truong
Updated on:

Massachusetts doesn’t require that lawyers carry malpractice insurance, but it is highly recommended just in case you are named in a malpractice lawsuit. As an attorney, you know both how frequent malpractice claims are and how fickle judgments can be. Professional liability insurance, or malpractice insurance, is a good protection.  

6 best lawyers malpractice insurance companies in Massachusetts

We have done the research and here are our recommendation of the top 6 lawyers professional liability insurance companies in Massachusetts.

CoverWallet: Best for comparing several quotes

You can’t beat CoverWallet for its ease of obtaining multiple quotes from insurance companies. It doesn’t always return an immediate quote, however, as this is the message we got when we tried to get a quote for a law office with two attorneys practicing in Boston:

Graphical user interface, text, application

Description automatically generated

Embroker: Best for a great completely digital experience

Embroker offers a straightforward quoting system. They ask a lot of questions in order to get a quote, but we chalk that up to their being thorough. They want to know what type of law you practice, the percentages of each type, and if you comply with state CLE requirements (continuing legal education). They also wanted to know what legal management software we used because using such software gets you a 10% discount. 

Below is a quote sample we got from Embroker for a small law firm with 3 attorneys specializing in corporate laws.

Simply Business is a broker specializing in small business insurance. They work with many carriers with a focus to help you find low-cost coverage that your business may need, including legal malpractice insurance. They vet the carriers that they work with carefully to ensure that all of them have excellent financial ratings. They select the carriers that can offer low-cost coverage even if these carriers may not be well-known and small businesses may not have access to them otherwise.


  • Easy to get and compare several quotes online
  • Able to get quotes from A-rated carriers which you may not be aware of and offer low cost
  • Knowledgeable agents that are available to help you along the process


  • If you prefer a particular carrier that Simply Business doesn’t work with, you may need to look elsewhere
  • Have to file a claim directly with the carriers

Boston Bar Association: Best for association discounts

If you’re a Boston Bar association member in good standing, you can get legal malpractice insurance through them. They don’t underwrite their own policies: coverage is through USI Affinity. They have over 50 years of experience and insure more than 40,000 lawyers. USI Affinity partners with Boston Bar Association to provide legal malpractice insurance for Massachusetts lawyers and they offer some discount to the members.

They don’t offer instant online quotes. To get information on pricing, you can fill out a form and they’ll get back to you, or you can call them at 1-855-USI-0100.

Another option for Massachusetts attorneys is the Massachusetts Bar Association. According to Lawyer’s Weekly, they’ve offered the best professional liability insurance policies in MA for the past four years. They don’t underwrite their own insurance either, but pair with CNA insurance, a highly respected insurance company. 

They don’t offer online quotes, though. To get information on pricing, potential clients can fill out a rather lengthy 6-page application and then attach a check, which seems a little antiquated, but to each their own. Here’s a screenshot of the first page of the application:


Description automatically generated

Attorney’s Advantage: Best for small firms of up to 25 lawyers

For firms of less than 25 lawyers, Attorney’s Advantage is a worthy choice. Insurance is underwritten by AON, and they insure more than 30,000 attorneys nationwide. CoverWallet is an AON company. 

Below is a quote sample that we got from Attorney’s Advantage. It is empowered by CoverWallet. This quote is for a law firm of 5 full-time attorneys of $1,000,000 in annual payroll and $2,000,000 in annual revenue.

Graphical user interface, application

Description automatically generated

Legal malpractice insurance is the same as professional liability insurance, but specifically for lawyers. It might seem strange that lawyers need their own insurance in case they get sued, but as any lawyer can tell you, they are named in lawsuits all the time. Clients may feel their lawyer was negligent, especially if the lawyer didn’t win the case. Lawyers are also commonly sued for:

  • Confidentiality breaches: lawyers are supposed to keep all aspects of a client’s information confidential. However, sometimes even the best lawyer can slip up and reveal something that gets made public, resulting in a lawsuit.
  • Administrative errors: these can be the result of a  simple math error, or entering information incorrectly in the computer. They can also be the result of a cyberattack, which could tamper or even delete online receipts and records. 
  • Missing deadlines: If a lawyer misses a deadline, it can result in an entire case being dismissed. 

Lawyers can even be sued by non-clients, although it’s hard to prove malpractice against someone you haven’t hired. For example, if a client refuses to sign an agreement, a non-client could assert that the client is conspiring with their attorney and then sue the attorney. 

What does lawyers professional liability insurance cover in Massachusetts?

Errors and omissions insurance covers the cost of defending a lawyer or legal practice in a civil lawsuit and certain damages awarded, even if the lawsuit ends up being groundless. 

Common claims that legal professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. Some policies could also cover privacy violations and confidential breaches. Each policy is different, so make sure you read them carefully.

Lawyers professional liability protection is not part of your general liability or commercial property insurance. General liability covers costs associated with injuries that happen to clients, visitors, and passers-by on your business property. Commercial property insurance covers property damage that occurs while doing business.  

As a lawyer, you should know to read contracts carefully. Some policies cover these things, but many don’t. Your policy may not cover:

  • Prior acts—most policies won’t cover anything that occurred before you had the policy
  • Non-firm legal activities—some policies will not cover you for pro bono work, or volunteer work, or giving out legal advice to people who ultimately sue you. 
  • Business activities—professional liability coverage does not cover your law firm for things like workplace injuries. You’ll need commercial liability or general liability insurance for that.
  • Cyber acts or hacking—being hacked is extremely common in 2022, but your professional liability/legal malpractice insurance does not cover you for data leaks or cyber-attacks. You need cyber insurance for that. 

Is lawyers malpractice insurance required in Massachusetts?

Professional liability insurance for legal professionals isn’t required in Massachusetts. However, almost all practicing attorneys and lawyers in Massachusetts have it since it is usually required at their workplaces. The cost of not having it far overweighs the cost of the policy. It is not worth skipping on this critical coverage.

Who needs lawyers professional liability insurance coverage in Massachusetts?

A wide array of legal professionals in Massachusetts need this type of coverage, including:

  • Attorneys
  • Bankruptcy referees
  • Barristers
  • Criminal law offices
  • Corporate attorneys
  • Counselors at law
  • Estate lawyers and offices
  • Lawyers
  • Law firms and offices
  • Legal aid offices
  • Patent solicitor’s offices
  • Estate lawyers and law offices
  • Family lawyers and practices
  • One person practices
  • Private practices
  • Real estate lawyers and law offices
  • Tax lawyers and law offices
  • Pro bono lawyers

How much does lawyers malpractice insurance cost in Massachusetts?

Many factors go into determining how much you pay for malpractice insurance, like:

  • The size of your law firm (bigger firms have higher rates)
  • Claims history (obviously, if you’ve been sued before, you’ll pay more for malpractice insurance)
  • Type of law you practice (some types of law are more complex than others, resulting in higher rates)
  • Whether or not you use legal management software
  • Whether you make every client sign an agreement
  • Years of experience
  • Location
  • Annual hours worked (the more hours you work, the more chances there are for you to screw something up)
  • Other risk-management factors

That said, most attorneys can expect to pay between $2,500 and $3,500 a year. Be sure to shop around with a few companies or with a broker to compare several quotes to get the cheapest one for you and your firm.

What’s it like to practice law in Massachusetts?

Massachusetts ranks number one in the country in education, including several top-notch law schools, such as Harvard Law. The average annual salary for an attorney in Boston is $151,750 a year. Massachusetts is not particularly litigious, but there is plenty of work for attorneys. Massachusetts is a densely populated state, so people living together in close proximity tend to get on each other’s nerves and sue. 

Last Thoughts

Lawyers know that people can sue for all sorts of reasons, even completely irrational reasons. Just because you practice law doesn’t mean someone won’t sue you. Legal malpractice insurance protects you from lawsuits and legal defense costs.

Thang Truong
Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

More Stories

Milepost Joins Truckstop: A New Dawn for Commercial Truck Insurance

The trucking industry is about to witness a significant shift in how insurance policies are procured, managed, and serviced. Milepost Insurance Agency LLC, a renowned Berkshire Hathaway enterprise, has recently collaborated with Truckstop, thereby pioneering a new era in trucking insurance for independent owner-operators. Revolutionizing the Insurance Experience The primary aim behind this dynamic partnership […]

Thang Truong
Thang Truong

Navigating Commercial Truck Insurance Premiums in 2023

Commercial truck insurance has become a focal point for many in the transportation sector as we delve deeper into 2023. With premiums seeing significant spikes in recent years, stakeholders are asking: Are we approaching a stabilization or even a decrease in these rates? Insights from industry experts provide clarity on this critical concern. Trends in […]

Thang Truong
Thang Truong

Regulatory Changes and Rising Commercial Truck Insurance Costs in California

In the wake of the passing of California’s AB5 bill, the trucking industry, including drivers and insurers, face unforeseen challenges. The legislation threatens to severely disrupt contractual trucking gigs, leading to rising insurance costs and potential operational changes. AB5 – A Potential Setback for Owner-Operators AB5, signed into law by Governor Gavin Newsom in 2019, […]

Thang Truong
Thang Truong

Finding Balance in Commercial Truck Insurance: Costs, Value, Services, and Long-Term Benefits

Navigating the maze of truck insurance offerings is not just a matter of finding the lowest price. It’s about understanding the nuances of what you’re buying, considering long-term benefits, and ensuring a harmonious relationship with your provider. This article offers a detailed examination of the process, unfolding the aspects of costs, value, services, honesty, and […]

Thang Truong
Thang Truong

New SEC Regulations on Cybersecurity and AI: A Comprehensive Overview

In an era where technology is at the forefront of business operations, the U.S. Securities and Exchange Commission (SEC) is taking decisive steps to ensure transparency and ethical practices. On Wednesday, the SEC was set to introduce new regulations that will impact publicly traded companies in two significant areas: cybersecurity and artificial intelligence (AI). These […]

Thang Truong
Thang Truong

6 Best Malpractice Insurance for Nurse Practitioners for 2023

Nurse practitioners have a great deal of responsibility when it comes to patient care. Many nurse practitioners assume that because they work under a doctor and their employer provides some level of malpractice insurance, they’re covered. It may be worth it to purchase your own policy, however. Employer malpractice insurance is to protect the employer, […]

Thang Truong
Thang Truong

6 Best Warehouse Insurance and Costs for 2023 

In the fast-paced world of logistics and supply chain management, warehouses play a pivotal role. They serve as the backbone of industries, storing a wide variety of goods that are integral to our daily lives. However, with such responsibility comes a multitude of risks. From natural disasters and fires to theft and accidental damage, warehouses […]

Thang Truong
Thang Truong

5 Best Retail Insurance Companies & Costs for 2023 

The retail industry can be an exciting and profitable venture. However, it’s also fraught with risks that could potentially disrupt operations and result in significant losses. This is where retail insurance comes in. 5 best retail insurance companies Simply Business: Best for comparing several quotes from top-tier carriers  Simply Business is a leading online insurance […]

Thang Truong
Thang Truong

How Much Does Daycare Insurance Cost in 2023? 

In the ever-evolving landscape of childcare, ensuring the safety and well-being of the children under your care is paramount. One crucial aspect of this responsibility is securing comprehensive daycare insurance. This coverage not only protects your daycare business from potential liabilities but also provides parents with the assurance that their children are in a safe […]

Thang Truong
Thang Truong

7 Best Film Production Insurance, Cost, & Coverage

The world of film production is thrilling, dynamic, and filled with creativity. However, it also comes with considerable risks ranging from personal injuries and equipment damage to legal issues. To mitigate these risks and protect the investment, having a comprehensive film production insurance is essential. This article aims to provide an understanding of why such […]

Thang Truong
Thang Truong