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Insurance for Law

Excellence Begins Here

Every legal professional carries risk. You should have a champion behind you, protecting you and your ability to act in the best interests of your clients and your firm.

At MLM, we’ve spent more than four decades building insurance programs that protect attorneys, law firms, judges and other legal professionals so they can practice with confidence, grow without hesitation and serve their clients without looking over their shoulders.

Founded by lawyers, for lawyers, we know the legal profession — offering professional liability, judicial disciplinary coverage, surety bonds, ADR policies and more — all from a company with a proven track record of integrity, stability and responsiveness to your needs.

Insurance for Law

Get Insurance Tailored to Your Unique Practice of Law

MLM offers a focused suite of insurance solutions built exclusively for legal professionals. Every policy is shaped by a deep understanding of the risks attorneys face every day.

Note that the availability of described coverages and other products and services are governed by state or other applicable laws – and by MLM’s underwriting criteria. Policy highlights include:

Full prior acts coverage

First dollar defense

Predecessor firm coverage

Innocent insured protection

Supplementary payment coverage

Limits of up to $20,000,000

Broad definition of "professional services"

Worldwide coverage for suits first brought and resolved in the U.S., its territories or Canada

Insurance for Law

Coverages Designed
to Embolden

Programs and policies designed to meet the demands of your practice.

Core Coverage:

Protect Yourself & Your Firm

For the Practice of Law

Lawyers’ Professional Liability Insurance

This is our core. Broad, clear coverage that protects you against claims of malpractice, errors and omissions in the delivery of legal services. Whether you’re a solo practitioner or part of a mid-sized or larger firm, your policy is underwritten by people who understand the practice of law and the risks involved.

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For the Practice of Law

New Lawyers Program

Starting a legal career is hard enough without weighing risk. Our New Lawyers Program offers reduced premiums and dedicated support for attorneys in their first years of practice — because you should feel empowered to practice on day one.

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For the Practice of Law

ADR Policy

For attorneys engaged in 100% alternative dispute resolution, our ADR policy extends professional liability protection to mediation, arbitration, and other ADR activities — covering the work you do beyond the courtroom.

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For the Practice of Law

MLMSurety/Court Bonds

Court-required bonds shouldn’t slow your practice down. MLMSurety provides notary bonds, court bonds, and fiduciary bonds efficiently, so you can keep your cases moving.
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For the Practice of Law

Judicial Disciplinary Policy

Judges face unique professional risks. Our judicial disciplinary policy provides coverage for defense costs arising from judicial disciplinary proceedings, emboldening members of the bench to adjudicate with excellence.

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Beyond Professional Liability:

Protect the Business of Law Through Our Partners

For the Business of Law

Cyber Liability Insurance

MLM gives you a gateway to obtain law-focused cyber liability insurance that protects you in the event of a data breach, ransomware attack and other digital threats that could compromise your clients data and your ability to operate.

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For the Business of Law

General Liability & Property Insurance

Protect your firm’s business interests with this bundle of general liability, property and business interruption coverage through a legal profession-specific single policy. You’ll get access to protection you need if an accident happens, you’re the victim of a crime or a natural disaster hits your property.

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For the Business of Law

Worker’s Compensation Insurance

Obtain access to workers compensation coverage in the event one of your employees is injured or suffers an illness resulting from their work. Often required by your state, worker’s compensation covers medical expenses, lost wages, disability benefits and death benefits related to on-the-job events.

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For the Business of Law

Crime and Fidelity Insurance

Threats to your firm from employee dishonesty, forgery, theft and fraud can severely impact its health and you. Leveraging access to crime and fidelity insurance coverage ensures that these unthinkable acts are fully covered should they occur.

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For the Business of Law

Employment Practices Liability Insurance

Accessing employment practices liability coverage equips you in the event an employee sues you. It guards you in the event of key lawsuit triggers that include wrongful termination, harassment and discrimination. In some cases, it also covers you from non-employee third-party claims.

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For the Business of Law

Directors and Officers Liability Insurance

If you make a decision or take action that results in a lawsuit, accessing D&O insurance protects you and your leadership from personal financial losses and, in many cases, your firm. It also reimburses your firm in the defense of such claims.

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For the Business of Law

Business Auto Insurance

If your firm owns vehicles leveraged by you and your employees, MLM delivers a gateway for obtaining auto coverage that blankets your fleet of vehicles.

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For the Business of Law

Fiduciary Liability

Protect your firm from claims of mismanagement and legal liability resulting from serving as a fiduciary. This could include your management of a retirement or health plan. Under ERISA, fiduciaries are held personally liable for a breach of duty.

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How It Works

Coverage in
Three Easy Steps

From application to activation, here’s how MLM gets you protected — with a process built for how legal professionals actually work.

1

Start Your Application

Begin online or connect with your
Regional Sales Director.

Our process is built to be straightforward
and easy to complete.

2

Get a
Tailored Quote

We’ll assess your firm’s specific needs — practice area, size, geography, claims history — and deliver a quote that reflects your actual risk profile, not a generic formula.

3

Activate Your
Coverage

Once your policy is in place, you’re part of the MLM family. That means access to risk management resources, education, policyholder dividends, and a dedicated team that knows your name.

Start Your Application
MACTMDDC
Where We Insure

Born in Minnesota.
Now in 15+ States and Growing

MLM provides coverage for legal professionals across 15 states

Each state is supported by a Regional Sales Director who knows the local legal landscape, understands the bar requirements and is available to you directly.
Access Your State and Connect with Us
Why MLM?

Choose Us and Become a Champion of Law

We’re designed as a Mutual. It means you come first.

MLM is a policyholder-owned company. We don’t answer to stockholders seeking profits. We answer to you. That structure isn’t just a legal distinction — every policy is shaped by a deep understanding of the risks attorneys face every day and reflected in the dividends we strive to return to you every year.

We only do this.

We believe in and are champions of law. We believe in you and the profession you have chosen. These beliefs form a current that runs throughout our company and how we do business. It’s also why we’re solely focused on lawyers’ professional liability insurance – insurance that emboldens you to pursue excellence. It is our entire focus, and it has been since 1982.

We give back.

MLM has returned dividends to policyholders every year since 1988. Your premium isn’t just a cost. It’s an investment that pays you back.

We’re in this for the long haul.

Our policyholders renew at rates above 90% and journey with us across decades. Our employees average more than 10 years with the company. That means we’re people who value deep and lasting relationships.

We’re financially excellent.

AM Best has recognized MLM with an “A” (Excellent) Financial Strength Rating with a Stable outlook — a mark of our capacity to protect you today and far into the future.

FAQ

Have a question? Start here.

We’ve organized our most common questions by topic. If you don’t find what you need, our team is always just a phone call away at 855-692-5146

MLM provides lawyers’ professional liability insurance, judicial disciplinary coverage, ADR policies, surety and court bonds, and specialized programs for new lawyers. We are a single-source provider focused exclusively on the legal profession.

We insure attorneys in private practice (solo practitioners through mid-sized firms), judges and legal professionals across 15 states. If you’re not sure whether we cover your state or your practice type, contact your Regional Sales Director — we’ll give you a direct answer quickly.

As a mutual company, MLM is owned by its policyholders — not outside stockholders. That means our decisions are driven by your interests, and our financial performance benefits you directly through annual dividends that have been distributed for nearly 40 years. This makes your overall coverage more affordable.

About Applying

You can start an application online or contact your Regional Sales Director directly. We’ll tailor a quote to your firm’s specific profile.

Minnesota Lawyers Mutual strives to provide responsive, personalized service throughout the application process while maintaining the disciplined underwriting standards our policyholders expect. Turnaround times may vary depending on firm size, application complexity and the need for additional information. Once all required information has been received, most new business applications are reviewed and quoted within one to two business days.

About Claims

Contact us by phone at 800-422-1370 or through our online claims reporting form. Report as soon as you become aware of any potential claim.

Absolutely. We work with you, not around you. You’ll be consulted throughout the process.

About MLM

Since 1982 — more than four decades of serving the legal profession.

MLM holds an AM Best “A” (Excellent) Financial Strength Rating with a Stable outlook.

Yes. MLM has returned dividends to policyholders every year since 1988.

More than 12,000 legal professionals across 15 states.