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Message YOU PROTECT YOUR CLIENTS’ ASSETS. WE’RE HERE TO PROTECT YOURS.Claim costs have escalated. So has the frequency of claims in excess of the mandatory limits. Claims have become more complex, and the value of matters handled by lawyers has increased. Learn how PLF Excess Coverage can help.DROP DOWN COVERAGE FROM PLF PRIMARY COVERAGETAIL COVERAGE An attorney who has PLF Excess Coverage is protected from situations in which only one limit applies to multiple claims because it will “drop down” to provide additional coverage for that claim and attorney. When a firm does not continue purchasing PLF Excess Coverage, it may be offered the option to buy excess extended reporting coverage (ERC or “tail” coverage). GET EXCESS COVERAGE FROM THE PLFApply anytime: osbplf.org/excessMore info: 503.639.6911A SEAMLESS EXPERIENCE FROM PRIMARY TO EXCESSDO YOUR CURRENT MALPRACTICE COVERAGE LIMITS MATCH THE RISK OF EXPOSURE IN YOUR LAW PRACTICE? WILL YOUR PERSONAL ASSETS BE PROTECTED IF YOU HAVE AN EXCESS CLAIM? If your answer to either of those questions is “no,” “maybe,” or “I’m not sure,” make it a priority to secure excess coverage for your firm. PLF Excess staff can help you assess your firm’s risk exposure and guide you through the process of applying for PLF Excess Coverage.The PLF knows liability insurance - it’s basically our thing. And when you get excess coverage through the PLF, you’ll be working with the same great team.DON’T RISK YOUR PERSONAL ASSETS - OR YOUR RETIREMENTFirms with limited or no prior acts coverage may receive up to a 50% discount on the cost of their first year of PLF Excess Coverage.BECAUSE LIGHTNING DOES STRIKEExcess CoverageNEW FIRM DISCOUNT: GET REWARDED FOR DOING THE RIGHT THINGFirms with limited or no prior acts coverage may receive up to a 50% discount on the cost of their first year of PLF Excess Coverage.
stolen laptop EQUALS stolen data. Cyber protection: always included in PLF excess coverageThe Cyber Liability & Breach Response Endorsement in all PLF Excess Coverage plans provides: COVERAGE FOR INFORMATION SECURITY & PRIVACY LIABILITYPRIVACY BREACH RESPONSE SERVICESREGULATORY DEFENSE AND PENALTIESWEBSITE MEDIA CONTENT LIABILITY CYBER EXTORTIONCRISIS MANAGEMENT & PUBLIC RELATIONS SERVICES PLF EXCESS COVERAGE: A SOUND BUSINESS DECISION.SMALL FIRMS DON’T ALWAYS HAVE SMALL CLAIMSExcess coverage is professional liability coverage that provides limits above statutorily required limits of $300,000.Think of it like having extra tools that you may not use all the time but come in handy when an unexpected big claim appears.Since it is not mandatory, excess coverage is underwritten, and law firms must submit an application for review to obtain a quote for coverage. Unlike the mandatory PLF coverage, which is individual to each attorney, excess coverage is purchased to cover law firms (including sole practitioner firms). The cost can vary depending on a variety of factors. You can obtain excess coverage from the PLF or from insurers in the commercial market.And if you’re practicing criminal or family law, handle trusts and estates, or are a solo practice covering a lot of areas of expertise, you could be at greater risk of a big claim.WHAT IS EXCESS COVERAGE?OFFERED TO OREGON LAW FIRMS ON AN OPTIONAL UNDERWRITTEN BASIS. LIMITS OF COVERAGE ARE AVAILABLE UP TO $9.7 MILLION. THE EXCESS COVERAGE PLAN FOLLOWS THE PLF’S PRIMARY COVERAGE PLAN, WITH FEW DIFFERENCES. 100% REINSURED WITH TOP-RATED REINSURERS. COVERAGE IS ON A CLAIMS-MADE BASIS, WITH DEFENSE COSTS INCLUDED IN THE COVERAGE LIMITS.New firm applicants can apply for up to $1.7 million in coverage. After a firm has maintained $1.7 million in coverage for one full calendar year (with the PLF or another carrier), the firm can apply for coverage up to $4.7 million. A firm will need to have excess coverage at the $4.7 million level for two full years (with the PLF or another carrier) before applying for $9.7 million in coverage. Find a copy of the PLF Claims Made Excess Plan online at osbplf.org/excess.CYBER LIMITS INCLUDEDThe cyber limits provided under the Endorsement are different than the Excess Coverage limits purchased by a law firm, and depend entirely on the size of the law firm:• $100,000 for firms with 1-10 attorneys• $250,000 for firms with 11 or more attorneysIf your law firm requires higher limits for cyber liability, please contact us at excess@osbplf.org as those limits are available on a separately underwritten basis.
stolen laptop EQUALS stolen data. Cyber protection: always included in PLF excess coverageThe Cyber Liability & Breach Response Endorsement in all PLF Excess Coverage plans provides: COVERAGE FOR INFORMATION SECURITY & PRIVACY LIABILITYPRIVACY BREACH RESPONSE SERVICESREGULATORY DEFENSE AND PENALTIESWEBSITE MEDIA CONTENT LIABILITY CYBER EXTORTIONCRISIS MANAGEMENT & PUBLIC RELATIONS SERVICES PLF EXCESS COVERAGE: A SOUND BUSINESS DECISION.SMALL FIRMS DON’T ALWAYS HAVE SMALL CLAIMSExcess coverage is professional liability coverage that provides limits above statutorily required limits of $300,000.Think of it like having extra tools that you may not use all the time but come in handy when an unexpected big claim appears.Since it is not mandatory, excess coverage is underwritten, and law firms must submit an application for review to obtain a quote for coverage. Unlike the mandatory PLF coverage, which is individual to each attorney, excess coverage is purchased to cover law firms (including sole practitioner firms). The cost can vary depending on a variety of factors. You can obtain excess coverage from the PLF or from insurers in the commercial market.And if you’re practicing criminal or family law, handle trusts and estates, or are a solo practice covering a lot of areas of expertise, you could be at greater risk of a big claim.WHAT IS EXCESS COVERAGE?OFFERED TO OREGON LAW FIRMS ON AN OPTIONAL UNDERWRITTEN BASIS. LIMITS OF COVERAGE ARE AVAILABLE UP TO $9.7 MILLION. THE EXCESS COVERAGE PLAN FOLLOWS THE PLF’S PRIMARY COVERAGE PLAN, WITH FEW DIFFERENCES. 100% REINSURED WITH TOP-RATED REINSURERS. COVERAGE IS ON A CLAIMS-MADE BASIS, WITH DEFENSE COSTS INCLUDED IN THE COVERAGE LIMITS.New firm applicants can apply for up to $1.7 million in coverage. After a firm has maintained $1.7 million in coverage for one full calendar year (with the PLF or another carrier), the firm can apply for coverage up to $4.7 million. A firm will need to have excess coverage at the $4.7 million level for two full years (with the PLF or another carrier) before applying for $9.7 million in coverage. Find a copy of the PLF Claims Made Excess Plan online at osbplf.org/excess.CYBER LIMITS INCLUDEDThe cyber limits provided under the Endorsement are different than the Excess Coverage limits purchased by a law firm, and depend entirely on the size of the law firm:• $100,000 for firms with 1-10 attorneys• $250,000 for firms with 11 or more attorneysIf your law firm requires higher limits for cyber liability, please contact us at excess@osbplf.org as those limits are available on a separately underwritten basis.
stolen laptop EQUALS stolen data. Cyber protection: always included in PLF excess coverageThe Cyber Liability & Breach Response Endorsement in all PLF Excess Coverage plans provides: COVERAGE FOR INFORMATION SECURITY & PRIVACY LIABILITYPRIVACY BREACH RESPONSE SERVICESREGULATORY DEFENSE AND PENALTIESWEBSITE MEDIA CONTENT LIABILITY CYBER EXTORTIONCRISIS MANAGEMENT & PUBLIC RELATIONS SERVICES PLF EXCESS COVERAGE: A SOUND BUSINESS DECISION.SMALL FIRMS DON’T ALWAYS HAVE SMALL CLAIMSExcess coverage is professional liability coverage that provides limits above statutorily required limits of $300,000.Think of it like having extra tools that you may not use all the time but come in handy when an unexpected big claim appears.Since it is not mandatory, excess coverage is underwritten, and law firms must submit an application for review to obtain a quote for coverage. Unlike the mandatory PLF coverage, which is individual to each attorney, excess coverage is purchased to cover law firms (including sole practitioner firms). The cost can vary depending on a variety of factors. You can obtain excess coverage from the PLF or from insurers in the commercial market.And if you’re practicing criminal or family law, handle trusts and estates, or are a solo practice covering a lot of areas of expertise, you could be at greater risk of a big claim.WHAT IS EXCESS COVERAGE?OFFERED TO OREGON LAW FIRMS ON AN OPTIONAL UNDERWRITTEN BASIS. LIMITS OF COVERAGE ARE AVAILABLE UP TO $9.7 MILLION. THE EXCESS COVERAGE PLAN FOLLOWS THE PLF’S PRIMARY COVERAGE PLAN, WITH FEW DIFFERENCES. 100% REINSURED WITH TOP-RATED REINSURERS. COVERAGE IS ON A CLAIMS-MADE BASIS, WITH DEFENSE COSTS INCLUDED IN THE COVERAGE LIMITS.New firm applicants can apply for up to $1.7 million in coverage. After a firm has maintained $1.7 million in coverage for one full calendar year (with the PLF or another carrier), the firm can apply for coverage up to $4.7 million. A firm will need to have excess coverage at the $4.7 million level for two full years (with the PLF or another carrier) before applying for $9.7 million in coverage. Find a copy of the PLF Claims Made Excess Plan online at osbplf.org/excess.CYBER LIMITS INCLUDEDThe cyber limits provided under the Endorsement are different than the Excess Coverage limits purchased by a law firm, and depend entirely on the size of the law firm:• $100,000 for firms with 1-10 attorneys• $250,000 for firms with 11 or more attorneysIf your law firm requires higher limits for cyber liability, please contact us at excess@osbplf.org as those limits are available on a separately underwritten basis.
YOU PROTECT YOUR CLIENTS’ ASSETS. WE’RE HERE TO PROTECT YOURS.Claim costs have escalated. So has the frequency of claims in excess of the mandatory limits. Claims have become more complex, and the value of matters handled by lawyers has increased. Learn how PLF Excess Coverage can help.DROP DOWN COVERAGE FROM PLF PRIMARY COVERAGETAIL COVERAGE An attorney who has PLF Excess Coverage is protected from situations in which only one limit applies to multiple claims because it will “drop down” to provide additional coverage for that claim and attorney. When a firm does not continue purchasing PLF Excess Coverage, it may be offered the option to buy excess extended reporting coverage (ERC or “tail” coverage). GET EXCESS COVERAGE FROM THE PLFApply anytime: osbplf.org/excessMore info: 503.639.6911A SEAMLESS EXPERIENCE FROM PRIMARY TO EXCESSDO YOUR CURRENT MALPRACTICE COVERAGE LIMITS MATCH THE RISK OF EXPOSURE IN YOUR LAW PRACTICE? WILL YOUR PERSONAL ASSETS BE PROTECTED IF YOU HAVE AN EXCESS CLAIM? If your answer to either of those questions is “no,” “maybe,” or “I’m not sure,” make it a priority to secure excess coverage for your firm. PLF Excess staff can help you assess your firm’s risk exposure and guide you through the process of applying for PLF Excess Coverage.The PLF knows liability insurance - it’s basically our thing. And when you get excess coverage through the PLF, you’ll be working with the same great team.DON’T RISK YOUR PERSONAL ASSETS - OR YOUR RETIREMENTFirms with limited or no prior acts coverage may receive up to a 50% discount on the cost of their first year of PLF Excess Coverage.BECAUSE LIGHTNING DOES STRIKEExcess CoverageNEW FIRM DISCOUNT: GET REWARDED FOR DOING THE RIGHT THINGFirms with limited or no prior acts coverage may receive up to a 50% discount on the cost of their first year of PLF Excess Coverage.
YOU PROTECT YOUR CLIENTS’ ASSETS. WE’RE HERE TO PROTECT YOURS.Claim costs have escalated. So has the frequency of claims in excess of the mandatory limits. Claims have become more complex, and the value of matters handled by lawyers has increased. Learn how PLF Excess Coverage can help.DROP DOWN COVERAGE FROM PLF PRIMARY COVERAGETAIL COVERAGE An attorney who has PLF Excess Coverage is protected from situations in which only one limit applies to multiple claims because it will “drop down” to provide additional coverage for that claim and attorney. When a firm does not continue purchasing PLF Excess Coverage, it may be offered the option to buy excess extended reporting coverage (ERC or “tail” coverage). GET EXCESS COVERAGE FROM THE PLFApply anytime: osbplf.org/excessMore info: 503.639.6911A SEAMLESS EXPERIENCE FROM PRIMARY TO EXCESSDO YOUR CURRENT MALPRACTICE COVERAGE LIMITS MATCH THE RISK OF EXPOSURE IN YOUR LAW PRACTICE? WILL YOUR PERSONAL ASSETS BE PROTECTED IF YOU HAVE AN EXCESS CLAIM? If your answer to either of those questions is “no,” “maybe,” or “I’m not sure,” make it a priority to secure excess coverage for your firm. PLF Excess staff can help you assess your firm’s risk exposure and guide you through the process of applying for PLF Excess Coverage.The PLF knows liability insurance - it’s basically our thing. And when you get excess coverage through the PLF, you’ll be working with the same great team.DON’T RISK YOUR PERSONAL ASSETS - OR YOUR RETIREMENTFirms with limited or no prior acts coverage may receive up to a 50% discount on the cost of their first year of PLF Excess Coverage.BECAUSE LIGHTNING DOES STRIKEExcess CoverageNEW FIRM DISCOUNT: GET REWARDED FOR DOING THE RIGHT THINGFirms with limited or no prior acts coverage may receive up to a 50% discount on the cost of their first year of PLF Excess Coverage.