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Posted on: May 14, 2025 by Huntersure
Changing firms may feel like a fresh start, but past work doesn’t go away just because a lawyer walks out the door. With over 1.3 million lawyers practicing in the United States as of 2024, lateral movement is common — and so are the lingering risks. Because most professional liability policies are claims-made, the timing of a claim is what matters — not the timing of the work. If someone files a claim, you’re only covered if your policy is still active when the claim is made. That’s why lawyers prior acts coverage is essential.
For insurance agents, recognizing this need means stepping in as a strategic partner. With Huntersure’s purpose-built solutions, agents can help clients move forward without leaving liability behind.
Even the most experienced lawyers may be surprised by how long liability exposure can linger. A client grievance or procedural misstep filed years after the work was completed can still trigger a claim. Without prior acts coverage, that lawyer could be left exposed.
Prior acts coverage ensures continuity by preserving the retroactive date from a prior policy, allowing the lawyer to remain protected against claims involving earlier work. Agents should coordinate coverage early in the transition process to avoid gaps. Huntersure’s attorney-underwriters understand these risks firsthand, designing solutions that reflect real legal exposure.
For lawyers leaving a firm, retiring, or starting a solo practice, traditional firm-based errors and omissions policies may no longer apply. Huntersure’s standalone prior acts coverage provides ongoing liability protection for prior work, structured to fit the needs of the individual lawyer rather than the former firm.
Unlike an endorsement tied to a firm’s policy, a standalone policy must be arranged intentionally and without interruption to maintain protection. Huntersure’s product offers up to six years of an extended reporting period, tailored applications for estates and dissolving firms, and flexible options for primary or excess placement. It’s portable in the right context, provided coverage remains continuous and underwriting criteria are met.
Transitions don’t always happen one person at a time. Entire legal teams may leave a firm to start a new one or join another. These situations carry added complexity and exposure. Huntersure offers contingent coverage options that protect groups during the transition, reducing the risk of claims falling through the cracks.
What sets Huntersure apart is its underwriting team — attorneys with claims-handling experience who understand the legal and insurance landscape. That expertise results in efficient underwriting and responsive service, especially in complex transitions.
Changing firms shouldn’t mean exposing prior work to risk. Lawyers prior acts coverage ensures a clean break doesn’t lead to future claims surprises.
Whether your client is retiring, restructuring, or relocating, Huntersure offers responsive quoting, custom terms, and coverage that travels with them. Contact us today to discover how Huntersure’s stand-alone prior acts solutions can protect your clients and bring clarity to complex legal transitions.
Huntersure LLC is a full-service Managing General Agency that has provided insurance program administration for professional liability products to our partners across the United States since 2007. We specialize in providing insurance solutions for businesses of all sizes. Our program features can cover small firms (grossing $2.5 million annually) to large corporations (grossing $25 million annually or more). We make doing business with us easy with our breadth and depth of knowledge of E&O insurance, our proprietary underwriting system that allows for responsive quoting, binding, and policy issuance and tailored products to meet the needs of your insureds. Give us a call at (855) 585-6255 to learn more.
Posted in: Lawyer's professional liability insurance