DIFP
2015
Legal Malpractice Insurance Report
Statistics Section June 2016
Missouri
Jeremiah W. (Jay) NixonGovernor
John M. HuffDirector
Department of Insurance, Financial Institutions & Professional Registration
MISSOURI
LEGAL
MALPRACTICE
INSURANCE
REPORT
2015
Department of Insurance, Financial Institutions & Professional RegistrationStatistics Section
June 2016
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 privatepassenger 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 2006 to 2015.
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 2015, the loss ratio for legal malpractice insurance in Missouri was 72 percent. For the 10-year
period of claims closed1, 550 (24 percent) were closed with payment. Claims closed in 2015 totaled 179, a
14 percent decrease from the previous year. The average payment was $156,550.
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 2015, the
average loss adjustment expense for all claims closed with payment was $87,574 compared to $139,056 in
2014.
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 2015 (37 of 179) was initiated by plaintiffs in
bodily injury/property damage - plaintiff. The largest proportion of all claims closed in 2015 under the major
activity code occurred during commencement of action or proceeding. Of all claims paid during 2015, 64
percent were settled before trial or hearing on the alleged malpractice.
Ninety-two percent of losses in 2015 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. Eighty-four percent
of 2015 claims occurred in the category of client other than free legal service or member of pre-paid legal
plan.
Only 12 companies reported writing legal malpractice insurance in Missouri for 2015. Of these, the
Bar Plan Mutual Insurance Company was by far the largest, with over 65 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 2015 Summary ..........................................9
Trends of the Top 10 Areas of Law ....................................................13
Major Activity: 10-Year and 2015 Summary ....................................25
Trends of the Top 10 Major Activity ................................................29
Alleged Errors or Omissions: 10-Year and 2015 Summary ..............41
Trends of the Top 10 Alleged Errors or Omissions .............................45
Claim Disposition: 10-Year and 2015 Summary ................................57
Trends of the Top 8 Claim Dispositions ..............................................61
Years Admitted to Practice: 10-Year and 2015 Summary ..................71
Trends of Years Admitted to Practice ..................................................75
Insured/Claimant Relationship: 10-Year and 2015 Summary ............81
Trends of Insured/Claimant Relationship ............................................85
III PREMIUM AND LOSS DATA ..........................................................91
TEN YEAR
SUMMARY
(2006-2015)
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
(2006-2
015
)
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
AV
ER
AG
E
IND
EM
NIT
Y
PA
ID
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
2,2
95
100.0
%
$66,0
62,3
85
$28,7
85
$47,4
50,5
78
$20,6
76
Clo
sed
wit
h P
aym
en
t
550
24.0
%
$66,0
62,3
85
$120
,11
3
$27,1
00,3
37
$49,2
73
Clo
sed
wit
ho
ut
Pa
ym
en
t
1,7
46
76.0
%
$0
$0
$20,3
50,2
41
$11,6
55
Cla
ims S
ett
led
Th
rou
gh
Co
urt
Pro
ceed
ing
s
236
10.3
%
$7,9
57,4
37
$33,7
18
$14,9
06,9
39
$63,1
65
Co
urt
Pro
ceed
ing
s R
esu
ltin
g in
Pa
ym
en
t 32
1.4
%
$7,9
57,4
37
$248
,67
0
$4,9
22,8
82
$153
,84
0
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
06
20
07
20
08
20
09
20
10
20
11
20
12
20
13
20
14
20
15
AL
L C
LO
SE
D C
LA
IMS
$2
8,6
49
$2
3,0
09
$2
0,0
72
$2
9,9
77
$2
8,8
78
$2
7,7
58
$4
3,2
00
$1
2,1
62
$3
7,8
72
$4
3,7
29
CL
OS
ED
WIT
H P
AY
ME
NT
$9
8,1
71
$9
2,0
37
$8
4,4
53
$1
06
,325
$1
15
,015
$9
7,1
54
$1
86
,625
$1
39
,594
$1
72
,895
$1
56
,550
$0
$3
0,0
00
$6
0,0
00
$9
0,0
00
$1
20,0
00
$1
50,0
00
$1
80,0
00
$2
10,0
00
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
06
20
07
20
08
20
09
20
10
20
11
20
12
20
13
20
14
20
15
AL
L C
LA
IMS
$2
3,1
08
$2
2,7
75
$1
7,5
76
$1
8,8
68
$2
2,2
75
$1
6,1
19
$2
8,7
99
$6
,558
$3
0,4
60
$2
4,4
62
CL
OS
ED
WIT
H P
AY
ME
NT
$7
9,1
83
$9
1,1
00
$7
3,9
50
$6
6,9
23
$8
8,7
14
$5
6,4
18
$1
24
,410
$7
5,2
70
$1
39
,056
$8
7,5
74
CL
OS
ED
WIT
HO
UT
PA
YM
EN
T$3
2,6
30
$3
0,3
67
$2
3,0
55
$2
6,2
77
$2
9,7
42
$2
2,5
67
$3
7,4
73
$7
,183
$3
8,7
67
$3
3,9
43
$0
$2
0,0
00
$4
0,0
00
$6
0,0
00
$8
0,0
00
$1
00
,00
0
$1
20
,00
0
$1
40
,00
0
$1
60
,00
0
5
MIS
SO
UR
I L
EG
AL
MA
LP
RA
CT
ICE
IN
SU
RA
NC
E
CL
AIM
CO
UN
T 2
00
6-2
01
5
20
06
20
07
20
08
20
09
20
10
20
11
20
12
20
13
20
14
20
15
CL
OS
ED
WIT
H P
AY
ME
NT
75
59
53
64
58
72
50
23
46
50
CL
OS
ED
WIT
HO
UT
PA
YM
EN
T18
217
717
016
317
318
016
624
116
512
9
TO
TA
L25
723
622
322
723
125
221
626
421
017
9
0
50
10
0
15
0
20
0
25
0
30
0
35
0
Number of Claims
6
TEN YEAR SUMMARY
&
2015 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
2006-2
015
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/P
D -
PLA
INT
IFF
510
168
30.5
5%
$144
,15
9
$24,2
18,6
43
36.6
6%
$23,6
75
CO
LLE
CT
ION
& B
AN
KR
UP
TC
Y
355
63
11.4
5%
$47,2
32
$2,9
75,6
19
4.5
0%
$11,1
04
RE
AL E
ST
AT
E
269
54
9.8
2%
$109
,44
3
$5,9
09,8
96
8.9
5%
$10,8
79
FA
MIL
Y L
AW
266
57
10.3
6%
$81,9
21
$4,6
69,5
09
7.0
7%
$13,7
90
ES
TA
TE
, T
RU
ST
& P
RO
BA
TE
241
59
10.7
3%
$101
,82
9
$6,0
07,8
83
9.0
9%
$21,1
89
CO
RP
OR
AT
E &
BU
SIN
ES
S O
RG
AN
IZA
TIO
N
111
21
3.8
2%
$174
,06
1
$3,6
55,2
81
5.5
3%
$12,8
74
BU
SIN
ES
S T
RA
NS
AC
TIO
N/C
OM
ME
RC
LA
W
98
31
5.6
4%
$205
,34
9
$6,3
65,8
15
9.6
4%
$64,0
24
WO
RK
ER
S C
OM
PE
NS
AT
ION
76
21
3.8
2%
$49,9
00
$1,0
47,9
02
1.5
9%
$14,1
26
CR
IMIN
AL
74
7
1.2
7%
$39,7
09
$277
,96
3
0.4
2%
$10,3
43
BI/P
D -
DE
FE
ND
AN
T
64
14
2.5
5%
$189
,48
4
$2,6
52,7
82
4.0
2%
$42,3
70
LA
BO
R L
AW
52
15
2.7
3%
$122
,43
6
$1,8
36,5
35
2.7
8%
$25,5
61
CIV
IL R
IGH
TS
& C
OM
MIS
SIO
N
51
9
1.6
4%
$60,0
33
$540
,29
4
0.8
2%
$8,6
42
CO
NS
UM
ER
CLA
IMS
23
5
0.9
1%
$124
,90
0
$624
,49
9
0.9
5%
$39,4
16
TA
XA
TIO
N
19
4
0.7
3%
$299
,87
5
$1,1
99,5
00
1.8
2%
$21,4
14
LO
CA
L G
OV
ER
NM
EN
T
18
4
0.7
3%
$215
,29
3
$861
,17
2
1.3
0%
$28,2
40
CO
NS
TR
UC
TIO
N (
BU
ILD
ING
CO
NT
RA
CT
S)
17
7
1.2
7%
$245
,41
3
$1,7
17,8
92
2.6
0%
$49,8
34
PA
TE
NT
S, T
RA
DE
MA
RK
S, C
OP
YR
IGH
TS
15
4
0.7
3%
$196
,87
5
$787
,50
0
1.1
9%
$171
,24
0
SE
CU
RIT
IES
(S
.E.C
.)
15
2
0.3
6%
$83,7
50
$167
,50
0
0.2
5%
$21,7
37
GO
VE
RN
ME
NT
CO
NT
RA
CT
S &
CL
AIM
S
8
2
0.3
6%
$52,5
00
$105
,00
0
0.1
6%
$3,5
67
IMM
IGR
AT
ION
& N
AT
UR
ALIZ
AT
ION
7
1
0.1
8%
$100
,00
0
$100
,00
0
0.1
5%
$13,5
39
EN
VIR
ON
ME
NT
4
1
0.1
8%
$330
,00
0
$330
,00
0
0.5
0%
$5,6
61
AD
MIR
ALT
Y
2
1
0.1
8%
$11,2
00
$11,2
00
0.0
2%
$0
TO
TA
L
2,2
95
550
100.0
0%
$120
,11
3
$66,0
62,3
85
100.0
0%
$20,6
76
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
015
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/P
D -
PLA
INT
IFF
37
15
30.0
0%
$195
,00
1
$2,9
25,0
23
37.3
7%
$16,4
52
CO
LLE
CT
ION
& B
AN
KR
UP
TC
Y
36
6
12.0
0%
$22,3
70
$134
,21
8
1.7
1%
$11,1
34
ES
TA
TE
, T
RU
ST
& P
RO
BA
TE
21
5
10.0
0%
$236
,00
0
$1,1
80,0
00
15.0
8%
$32,1
96
RE
AL E
ST
AT
E
18
5
10.0
0%
$182
,75
0
$913
,75
0
11.6
7%
$18,2
93
FA
MIL
Y L
AW
15
5
10.0
0%
$42,6
00
$213
,00
0
2.7
2%
$9,1
10
CO
RP
OR
AT
E &
BU
SIN
ES
S O
RG
AN
IZA
TIO
N
12
2
4.0
0%
$90,0
00
$180
,00
0
2.3
0%
$24,2
69
WO
RK
ER
S C
OM
PE
NS
AT
ION
9
1
2.0
0%
$417
,00
0
$417
,00
0
5.3
3%
$2,2
77
BU
SIN
ES
S T
RA
NS
AC
TIO
N/C
OM
ME
RC
IAL L
AW
8
4
8.0
0%
$147
,50
0
$590
,00
0
7.5
4%
$126
,18
2
LA
BO
R L
AW
6
3
6.0
0%
$167
,33
3
$502
,00
0
6.4
1%
$35,2
14
CR
IMIN
AL
4
1
2.0
0%
$10,0
00
$10,0
00
0.1
3%
$624
TA
XA
TIO
N
3
0
0.0
0%
N
/A
$0
0.0
0%
$17,5
52
BI/P
D -
DE
FE
ND
AN
T
2
0
0.0
0%
N
/A
$0
0.0
0%
$0
GO
VE
RN
ME
NT
CO
NT
RA
CT
S &
CL
AIM
S
2
1
2.0
0%
$75,0
00
$75,0
00
0.9
6%
$8,6
33
LO
CA
L G
OV
ER
NM
EN
T
2
1
2.0
0%
$125
,00
0
$125
,00
0
1.6
0%
$48,8
28
PA
TE
NT
S, T
RA
DE
MA
RK
S, C
OP
YR
IGH
TS
2
1
2.0
0%
$562
,50
0
$562
,50
0
7.1
9%
$261
,30
3
CIV
IL R
IGH
TS
& C
OM
MIS
SIO
N
1
0
0.0
0%
N
/A
$0
0.0
0%
$1,9
98
CO
NS
UM
ER
CLA
IMS
1
0
0.0
0%
N
/A
$0
0.0
0%
$0
TO
TA
L
179
50
100.0
0%
$156
,55
0
$7,8
27,4
91
100.0
0%
$24,4
62
10
TRENDS
OF THE TOP TEN
AREAS OF LAW
OF 2015
11
12
BI/PD - PLAINTIFF
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $102,071 $62,199 $78,484 $113,034 $253,296 $167,084 $187,901 $52,071 $308,417 $195,002
AVG LOSS EXPENSE $22,004 $45,123 $21,429 $20,034 $27,113 $30,326 $4,949 $14,515 $16,997 $16,452
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 60 68 55 63 52 60 36 46 33 37
CLOSED WITH PAYMENT 19 25 23 23 17 22 8 4 12 15
CLOSED WITHOUT PAYMENT 41 43 32 40 35 38 28 42 21 22
0
20
40
60
80
100
Nu
mb
er
of
Cla
ims
13
COLLECTION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $18,083 $17,741 $141,000 $36,254 $33,089 $42,419 $28,745 $51,000 $55,930 $22,370
AVG LOSS EXPENSE $8,517 $9,277 $45,486 $9,375 $10,038 $8,838 $12,918 $1,363 $6,885 $11,134
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 39 36 25 20 37 40 36 42 44 36
CLOSED WITH PAYMENT 6 5 8 4 4 10 11 1 8 6
CLOSED WITHOUT PAYMENT 33 31 17 16 33 30 25 41 36 30
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $33,465 $139,109 $34,437 $129,445 $91,435 $93,929 $60,000 $37,613 $169,616 $236,000
AVG LOSS EXPENSE $25,851 $13,252 $5,903 $22,216 $30,465 $13,834 $9,178 $2,101 $42,296 $32,196
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 28 19 23 25 34 27 19 18 27 21
CLOSED WITH PAYMENT 9 4 5 7 12 8 2 2 5 5
CLOSED WITHOUT PAYMENT 19 15 18 18 22 19 17 16 22 16
0
5
10
15
20
25
30
35
40
45
Nu
mb
er
of
Cla
ims
15
REAL ESTATE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 201 2013 2014 2015
AVG PAID INDEMNITY $195,008 $66,339 $67,113 $21,622 $14,890 $55,315 $450,692 $26,667 $82,122 $182,750
AVG LOSS EXPENSE $20,511 $7,640 $5,916 $5,948 $10,326 $17,981 $10,015 $5,915 $11,559 $18,293
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 21 17 25 28 24 33 25 48 30 18
CLOSED WITH PAYMENT 6 2 5 7 2 13 4 3 7 5
CLOSED WITHOUT PAYMENT 15 15 20 21 22 20 21 45 23 13
0
5
10
15
20
25
30
35
40
45
50
55
60
Nu
mb
er
of
Cla
ims
16
FAMILY LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $93,887 $25,623 $78,783 $18,500 $23,244 $45,600 $36,500 $319,161 $164,743 $42,600
AVG LOSS EXPENSE $20,104 $11,375 $6,305 $2,438 $31,400 $2,037 $28,423 $6,166 $15,512 $9,110
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 39 28 34 20 29 26 24 29 22 15
CLOSED WITH PAYMENT 13 7 4 1 8 5 6 5 3 5
CLOSED WITHOUT PAYMENT 26 21 30 19 21 21 18 24 19 10
0
5
10
15
20
25
30
35
40
45
50
Nu
mb
er
of
Cla
ims
17
CORPORATE & BUSINESS ORGANIZATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $145,276 $123,333 $47,000 $45,000 $0 $136,875 $501,219 $42,589 $0 $90,000
AVG LOSS EXPENSE $48,372 $10,831 $19,649 $4,897 $1,216 $17,063 $16,963 $1,822 $9,486 $24,269
$0
$75,000
$150,000
$225,000
$300,000
$375,000
$450,000
$525,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 3 6 8 5 4 14 20 27 12 12
CLOSED WITH PAYMENT 2 3 1 1 0 4 4 4 0 2
CLOSED WITHOUT PAYMENT 1 3 7 4 4 10 16 23 12 10
0
4
8
12
16
20
24
28
32
36
Nu
mb
er
of
Cla
ims
18
WORKERS COMPENSATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $28,540 $45,535 $0 $19,769 $34,129 $19,250 $85,000 $0 $50,000 $417,000
AVG LOSS EXPENSE $50,114 $28,897 $1,297 $5,634 $16,586 $2,575 $19,961 $0 $3,524 $2,277
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 12 4 6 15 9 8 3 6 4 9
CLOSED WITH PAYMENT 4 3 0 7 2 2 1 0 1 1
CLOSED WITHOUT PAYMENT 8 1 6 8 7 6 2 6 3 8
0
2
4
6
8
10
12
14
16
Nu
mb
er
of
Cla
ims
19
BUSINESS TRANSACTION/COMMERCIAL LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $192,800 $732,779 $87,000 $437,344 $62,667 $38,500 $159,856 $0 $195,450 $147,500
AVG LOSS EXPENSE $69,735 $18,707 $33,233 $88,524 $27,775 $43,598 $117,820 $6,830 $50,471 $126,182
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 11 6 13 11 6 9 15 7 12 8
CLOSED WITH PAYMENT 5 2 4 3 3 2 4 0 4 4
CLOSED WITHOUT PAYMENT 6 4 9 8 3 7 11 7 8 4
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $78,506 $134,505 $75,000 $225,000 $0 $0 $0 $130,000 $37,500 $167,333
AVG LOSS EXPENSE $25,488 $21,873 $16,650 $41,721 $11,292 $0 $113,602 $2,565 $5,105 $35,214
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 10 10 6 3 4 2 3 3 5 6
CLOSED WITH PAYMENT 2 5 1 1 0 0 0 1 2 3
CLOSED WITHOUT PAYMENT 8 5 5 2 4 2 3 2 3 3
0
2
4
6
8
10
12
Nu
mb
er
of
Cla
ims
21
CRIMINAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $0 $154,463 $0 $3,000 $100,000 $0 $3,750 $0 $0 $10,000
AVG LOSS EXPENSE $4,045 $11,056 $4,796 $5,658 $35,555 $5,737 $8,616 $13,020 $0 $624
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 7 17 4 6 8 7 6 9 6 4
CLOSED WITH PAYMENT 0 1 0 2 1 0 2 0 0 1
CLOSED WITHOUT PAYMENT 7 16 4 4 7 7 4 9 6 3
0
3
6
9
12
15
18
21
24
Nu
mb
er
of
Cla
ims
22
TEN YEAR SUMMARY
&
2015 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
2006-2
015
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
PR
OC
EE
DIN
G
694
161
29.2
7%
$92,2
97
$14,8
59,7
69
22.4
9%
$15,6
56
OT
HE
R
585
105
19.0
9%
$96,0
08
$10,0
80,8
02
15.2
6%
$12,0
51
PR
E-T
RIA
L,
PR
E-H
EA
RIN
G
211
62
11.2
7%
$117
,08
7
$7,2
59,3
99
10.9
9%
$31,0
02
PR
EP
AR
AT
ION
, T
RA
NS
MIT
TA
L O
R F
ILIN
G
197
67
12.1
8%
$94,8
57
$6,3
55,4
13
9.6
2%
$25,4
05
SE
TT
LE
ME
NT
AN
D N
EG
OT
IAT
ION
137
38
6.9
1%
$179
,30
3
$6,8
13,4
95
10.3
1%
$25,5
79
CO
NS
ULT
AT
ION
OR
AD
VIC
E
126
36
6.5
5%
$215
,14
8
$7,7
45,3
34
11.7
2%
$42,7
93
TR
IAL O
R H
EA
RIN
G
87
22
4.0
0%
$336
,07
1
$7,3
93,5
61
11.1
9%
$39,4
26
INV
ES
TIG
AT
ION
, O
TH
ER
TH
AN
LIT
IGA
TIO
N
75
21
3.8
2%
$82,1
73
$1,7
25,6
39
2.6
1%
$23,5
14
PO
ST
TR
IAL O
R H
EA
RIN
G
63
11
2.0
0%
$77,8
20
$856
,02
5
1.3
0%
$13,0
66
AP
PE
AL A
CT
IVIT
IES
47
9
1.6
4%
$58,7
79
$529
,01
0
0.8
0%
$23,2
78
OT
HE
R W
RIT
TE
N O
PIN
ION
33
6
1.0
9%
$223
,14
2
$1,3
38,8
53
2.0
3%
$26,9
15
EX
PA
RT
E P
RO
CE
ED
ING
S
17
5
0.9
1%
$73,2
01
$366
,00
7
0.5
5%
$35,7
50
TA
X R
EP
OR
TIN
G O
R P
AY
ME
NT
12
4
0.7
3%
$93,5
20
$374
,07
8
0.5
7%
$30,7
93
RE
FE
RR
AL T
O A
NO
TH
ER
PR
OF
ES
SIO
NA
L
9
2
0.3
6%
$145
,00
0
$290
,00
0
0.4
4%
$12,9
34
TIT
LE
OP
INIO
N
2
1
0.1
8%
$75,0
00
$75,0
00
0.1
1%
$0
TO
TA
L
2,2
95
550
100.0
0%
$120
,11
3
$66,0
62,3
85
100.0
0%
$20,6
76
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
015
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
PR
OC
EE
DIN
G
57
16
32.0
0%
$105
,11
4
$1,6
81,8
26
21.4
9%
$12,6
76
OT
HE
R
45
12
24.0
0%
$183
,12
5
$2,1
97,5
00
28.0
7%
$16,3
72
SE
TT
LE
ME
NT
AN
D N
EG
OT
IAT
ION
15
4
8.0
0%
$37,5
00
$150
,00
0
1.9
2%
$6,7
99
PR
EP
AR
AT
ION
, T
RA
NS
MIT
TA
L O
R F
ILIN
G
13
3
6.0
0%
$128
,50
0
$385
,50
0
4.9
2%
$15,5
62
OT
HE
R W
RIT
TE
N O
PIN
ION
12
1
2.0
0%
$150
,00
0
$150
,00
0
1.9
2%
$35,9
75
CO
NS
ULT
AT
ION
OR
AD
VIC
E
9
4
8.0
0%
$202
,75
0
$811
,00
0
10.3
6%
$85,8
90
PR
E-T
RIA
L,
PR
E-H
EA
RIN
G
8
4
8.0
0%
$161
,25
0
$645
,00
0
8.2
4%
$83,8
85
TR
IAL O
R H
EA
RIN
G
6
3
6.0
0%
$497
,22
2
$1,4
91,6
65
19.0
6%
$96,0
35
TA
X R
EP
OR
TIN
G O
R P
AY
ME
NT
4
1
2.0
0%
$25,0
00
$25,0
00
0.3
2%
$15,7
60
AP
PE
AL A
CT
IVIT
IES
3
0
0.0
0%
N
/A
$0
0.0
0%
$666
INV
ES
TIG
AT
ION
, O
TH
ER
TH
AN
LIT
IGA
TIO
N
3
0
0.0
0%
N
/A
$0
0.0
0%
$2,1
64
RE
FE
RR
AL T
O A
NO
TH
ER
PR
OF
ES
SIO
NA
L
2
2
4.0
0%
$145
,00
0
$290
,00
0
3.7
0%
$45,8
22
EX
PA
RT
E P
RO
CE
ED
ING
S
1
0
0.0
0%
N
/A
$0
0.0
0%
$0
PO
ST
TR
IAL O
R H
EA
RIN
G
1
0
0.0
0%
N
/A
$0
0.0
0%
$0
TO
TA
L
179
50
100.0
0%
$156
,55
0
$7,8
27,4
91
100.0
0%
$24,4
62
26
TRENDS
OF THE TOP TEN
MAJOR ACTIVITY
OF 2015
27
28
COMMENCEMENT OF ACTION OR PROCEEDING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $73,553 $55,652 $60,423 $76,562 $107,261 $93,996 $189,992 $265,000 $138,591 $105,114
AVG LOSS EXPENSE $8,895 $37,930 $10,339 $14,327 $20,172 $18,052 $5,841 $2,552 $28,793 $12,676
$0
$30,000
$60,000
$90,000
$120,000
$150,000
$180,000
$210,000
$240,000
$270,000
$300,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 71 64 71 63 58 74 57 97 82 57
CLOSED WITH PAYMENT 24 17 23 25 14 19 6 3 14 16
CLOSED WITHOUT PAYMENT 47 47 48 38 44 55 51 94 68 41
0
20
40
60
80
100
120
Nu
mb
er
of
Cla
ims
29
OTHER
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $116,500 $60,278 $22,500 $25,923 $27,447 $56,046 $180,578 $39,476 $210,421 $183,125
AVG LOSS EXPENSE $31,006 $38,356 $8,334 $2,127 $6,718 $2,312 $28,748 $3,113 $22,751 $16,372
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 18 14 22 61 88 91 85 102 59 45
CLOSED WITH PAYMENT 3 6 1 9 19 24 15 6 10 12
CLOSED WITHOUT PAYMENT 15 8 21 52 69 67 70 96 49 33
0
15
30
45
60
75
90
105
120
Nu
mb
er
of
Cla
ims
30
SETTLEMENT & NEGOTIATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $134,975 $108,412 $145,667 $80,666 $1,463,067 $47,968 $68,000 $26,785 $282,877 $37,500
AVG LOSS EXPENSE $18,360 $27,295 $47,888 $24,886 $31,498 $2,654 $20,280 $64,926 $4,024 $6,799
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 25 24 18 16 9 7 9 8 6 15
CLOSED WITH PAYMENT 7 5 6 6 2 2 3 1 2 4
CLOSED WITHOUT PAYMENT 18 19 12 10 7 5 6 7 4 11
0
5
10
15
20
25
30
35
Nu
mb
er
of
Cla
ims
31
PREPARATION, TRANSMITTAL OR FILING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $83,969 $91,328 $47,822 $69,686 $69,568 $70,444 $97,500 $372,500 $130,832 $128,500
AVG LOSS EXPENSE $34,661 $9,251 $8,583 $20,935 $41,806 $31,049 $22,834 $18,615 $57,558 $15,562
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 25 30 26 23 21 23 7 12 17 13
CLOSED WITH PAYMENT 8 9 9 7 10 9 2 3 7 3
CLOSED WITHOUT PAYMENT 17 21 17 16 11 14 5 9 10 10
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
32
OTHER WRITTEN OPINION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $0 $574,853 $0 $0 $0 $0 $500,000 $0 $38,000 $150,000
AVG LOSS EXPENSE $0 $112,617 $0 $0 $0 $0 $164,858 $0 $944 $35,975
$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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 0 1 0 2 1 0 2 0 15 12
CLOSED WITH PAYMENT 0 1 0 0 0 0 1 0 3 1
CLOSED WITHOUT PAYMENT 0 0 0 2 1 0 1 0 12 11
0
3
6
9
12
15
18
Nu
mb
er
of
Cla
ims
33
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
CONSULTATION OR ADVICE
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $107,235 $720,404 $324,691 $264,538 $75,000 $42,500 $1,000,000 $105,402 $64,450 $202,750
AVG LOSS EXPENSE $33,203 $15,275 $84,184 $61,045 $24,956 $22,878 $79,248 $38,425 $6,875 $85,890
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 27 19 15 12 11 13 7 7 6 9
CLOSED WITH PAYMENT 12 2 4 5 3 2 1 2 1 4
CLOSED WITHOUT PAYMENT 15 17 11 7 8 11 6 5 5 5
0
6
12
18
24
30
36
42
Nu
mb
er
of
Cla
ims
34
PRE-TRIAL, PRE-HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $71,800 $24,926 $91,000 $69,500 $72,115 $135,617 $133,817 $83,200 $292,200 $161,250
AVG LOSS EXPENSE $11,109 $9,277 $10,378 $17,793 $39,738 $30,963 $61,609 $5,815 $115,648 $83,885
$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
$325,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 20 30 25 20 19 24 26 26 13 8
CLOSED WITH PAYMENT 5 8 2 4 3 13 13 5 5 4
CLOSED WITHOUT PAYMENT 15 22 23 16 16 11 13 21 8 4
0
5
10
15
20
25
30
35
Nu
mb
er
of
Cla
ims
35
TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $241,719 $35,833 $150,000 $490,606 $29,267 $700,000 $432,500 $0 $355,000 $497,222
AVG LOSS EXPENSE $45,606 $13,843 $10,631 $83,873 $76,378 $7,309 $14,701 $0 $32,346 $96,035
$0
$75,000
$150,000
$225,000
$300,000
$375,000
$450,000
$525,000
$600,000
$675,000
$750,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 21 13 10 10 6 7 9 1 4 6
CLOSED WITH PAYMENT 2 3 1 4 2 1 4 0 2 3
CLOSED WITHOUT PAYMENT 19 10 9 6 4 6 5 1 2 3
0
3
6
9
12
15
18
21
24
27
30
Nu
mb
er
of
Cla
ims
36
TAX REPORTING OR PAYMENT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $0 $0 $0 $24,054 $260,024 $0 $65,000 $0 $0 $25,000
AVG LOSS EXPENSE $0 $0 $5,882 $0 $239,976 $0 $30,312 $0 $0 $15,760
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 0 0 1 2 1 1 2 0 1 4
CLOSED WITH PAYMENT 0 0 0 1 1 0 1 0 0 1
CLOSED WITHOUT PAYMENT 0 0 1 1 0 1 1 0 1 3
0
1
2
3
4
5
6
Nu
mb
er
of
Cla
ims
37
APPEAL ACTIVITIES
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $72,382 $40,000 $0 $0 $58,000 $11,102 $0 $0 $0 $0
AVG LOSS EXPENSE $30,072 $17,039 $0 $45,495 $7,037 $963 $268,563 $0 $0 $666
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 10 10 3 7 4 6 1 3 0 3
CLOSED WITH PAYMENT 5 1 0 0 2 1 0 0 0 0
CLOSED WITHOUT PAYMENT 5 9 3 7 2 5 1 3 0 3
0
2
4
6
8
10
12
Nu
mb
er
of
Cla
ims
38
TEN YEAR SUMMARY
&
2015 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
2006-2
015
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
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
OT
HE
R
577
70
12.7
3%
$81,4
56
$5,7
01,9
35
8.6
3%
$11,7
31
FA
IL T
O A
SC
ER
TA
IN D
EA
DLIN
E C
OR
RE
CT
LY
282
76
13.8
2%
$153
,64
1
$11,6
76,7
11
17.6
8%
$15,9
94
PL
AN
NIN
G O
R S
TR
AT
EG
Y E
RR
OR
246
71
12.9
1%
$195
,95
4
$13,9
12,7
52
21.0
6%
$30,2
47
FA
IL T
O K
NO
W O
R P
RO
PE
RL
Y A
PP
LY
TH
E L
AW
170
54
9.8
2%
$109
,31
1
$5,9
02,7
95
8.9
4%
$26,6
64
INA
DE
QU
AT
E IN
VE
ST
IGA
TIO
N
122
34
6.1
8%
$133
,34
8
$4,5
33,8
35
6.8
6%
$35,8
80
PR
OC
RA
ST
INA
TIO
N O
R L
AC
K O
F F
OLLO
W-U
P
119
31
5.6
4%
$98,5
90
$3,0
56,2
76
4.6
3%
$18,5
87
FA
IL T
O F
OLLO
W C
LIE
NT
S IN
ST
RU
CT
ION
S
108
17
3.0
9%
$202
,21
4
$3,4
37,6
40
5.2
0%
$21,0
01
FA
IL T
O F
ILE
DO
CU
ME
NT
S W
ITH
NO
DE
AD
LIN
E
98
26
4.7
3%
$53,0
80
$1,3
80,0
80
2.0
9%
$15,2
25
FA
ILU
RE
TO
RE
AC
T T
O C
AL
EN
DA
R
80
32
5.8
2%
$73,1
13
$2,3
39,6
15
3.5
4%
$7,2
73
MA
LIC
IOU
S P
RO
SE
CU
TIO
N O
R A
BU
SE
OF
PR
OC
ES
S
78
17
3.0
9%
$36,9
31
$627
,83
3
0.9
5%
$23,6
82
FR
AU
D
76
16
2.9
1%
$88,0
79
$1,4
09,2
56
2.1
3%
$32,6
73
FA
ILU
RE
TO
CA
LE
ND
AR
PR
OP
ER
LY
68
43
7.8
2%
$83,5
14
$3,5
91,1
01
5.4
4%
$17,8
43
CO
NF
LIC
T O
F IN
TE
RE
ST
63
18
3.2
7%
$271
,21
4
$4,8
81,8
55
7.3
9%
$75,0
17
CLE
RIC
AL E
RR
OR
47
12
2.1
8%
$27,4
77
$329
,72
6
0.5
0%
$9,2
68
FA
IL T
O O
BT
AIN
CLIE
NT
S C
ON
SE
NT
47
7
1.2
7%
$67,1
43
$470
,00
0
0.7
1%
$18,3
31
VIO
LA
TIO
N O
F C
IVIL
RIG
HT
S
37
4
0.7
3%
$101
,25
0
$405
,00
0
0.6
1%
$11,0
17
ER
RO
R IN
MA
TH
EM
AT
ICA
L C
ALC
UL
AT
ION
16
7
1.2
7%
$52,0
94
$364
,65
9
0.5
5%
$19,7
12
LIB
EL O
R S
LA
ND
ER
15
1
0.1
8%
$15,0
00
$15,0
00
0.0
2%
$5,0
73
ER
RO
R IN
PU
BLIC
RE
CO
RD
SE
AR
CH
14
5
0.9
1%
$73,0
21
$365
,10
6
0.5
5%
$22,1
70
FA
IL T
O A
NT
ICIP
AT
E T
AX
CO
NS
EQ
UE
NC
ES
14
3
0.5
5%
$455
,00
0
$1,3
65,0
00
2.0
7%
$20,6
26
IMP
RO
PE
R W
ITH
DR
AW
AL F
RO
M R
EP
RE
SE
NT
AT
ION
14
5
0.9
1%
$55,7
42
$278
,71
0
0.4
2%
$14,9
10
LO
ST
FIL
E, D
OC
UM
EN
T O
R E
VID
EN
CE
3
1
0.1
8%
$17,5
00
$17,5
00
0.0
3%
$31,0
20
NO
T S
PE
CIF
IED
1
0
0.0
0%
N
/A
$0
0.0
0%
$0
TO
TA
L
2,2
95
550
100.0
0%
$120
,11
3
$66,0
62,3
85
100.0
0%
$20,6
76
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
015
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
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
OT
HE
R
51
6
12.0
0%
$163
,20
8
$979
,25
0
12.5
1%
$7,3
31
FA
IL T
O A
SC
ER
TA
IN D
EA
DLIN
E C
OR
RE
CT
LY
24
7
14.0
0%
$222
,73
8
$1,5
59,1
65
19.9
2%
$3,7
93
FA
IL T
O K
NO
W O
R P
RO
PE
RL
Y A
PP
LY
TH
E L
AW
14
4
8.0
0%
$199
,62
5
$798
,50
0
10.2
0%
$43,0
61
FR
AU
D
12
4
8.0
0%
$153
,51
6
$614
,06
3
7.8
4%
$59,2
42
PL
AN
NIN
G O
R S
TR
AT
EG
Y E
RR
OR
11
4
8.0
0%
$211
,25
0
$845
,00
0
10.8
0%
$55,2
41
CO
NF
LIC
T O
F IN
TE
RE
ST
9
5
10.0
0%
$200
,50
0
$1,0
02,5
00
12.8
1%
$52,4
34
FA
IL T
O F
OLLO
W C
LIE
NT
S IN
ST
RU
CT
ION
S
8
2
4.0
0%
$54,2
50
$108
,50
0
1.3
9%
$37,1
13
INA
DE
QU
AT
E IN
VE
ST
IGA
TIO
N
8
1
2.0
0%
$75,0
00
$75,0
00
0.9
6%
$24,3
96
FA
ILU
RE
TO
CA
LE
ND
AR
PR
OP
ER
LY
7
6
12.0
0%
$159
,97
6
$959
,85
8
12.2
6%
$35,6
02
FA
IL T
O F
ILE
DO
CU
ME
NT
S W
ITH
NO
DE
AD
LIN
E
6
4
8.0
0%
$44,5
00
$178
,00
0
2.2
7%
$10,9
83
FA
IL T
O O
BT
AIN
CLIE
NT
S C
ON
SE
NT
6
1
2.0
0%
$350
,00
0
$350
,00
0
4.4
7%
$18,6
04
PR
OC
RA
ST
INA
TIO
N O
R L
AC
K O
F F
OLLO
W-U
P
6
2
4.0
0%
$21,3
28
$42,6
55
0.5
4%
$3,0
82
M
AL
ICIO
US
PR
OS
EC
UT
ION
OR
AB
US
E O
F
PR
OC
ES
S
5
2
4.0
0%
$137
,50
0
$275
,00
0
3.5
1%
$76,4
19
CLE
RIC
AL E
RR
OR
3
1
2.0
0%
$30,0
00
$30,0
00
0.3
8%
$0
FA
ILU
RE
TO
RE
AC
T T
O C
AL
EN
DA
R
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
0.0
0%
N
/A
$0
0.0
0%
$22,3
87
LIB
EL O
R S
LA
ND
ER
2
0
0.0
0%
N
/A
$0
0.0
0%
$3,2
76
ER
RO
R IN
MA
TH
EM
AT
ICA
L C
ALC
UL
AT
ION
1
0
0.0
0%
N
/A
$0
0.0
0%
$147
,26
0
IMP
RO
PE
R W
ITH
DR
AW
AL F
RO
M R
EP
RE
SE
NT
AT
ION
1
1
2.0
0%
$10,0
00
$10,0
00
0.1
3%
$2,4
94
TO
TA
L
179
50
100.0
0%
$156
,55
0
$7,8
27,4
91
100.0
0%
$24,4
62
42
TRENDS
OF THE TOP TEN
ERRORS OR OMISSIONS
OF 2015
43
44
OTHER
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $63,857 $39,313 $155,667 $121,704 $53,230 $52,733 $96,856 $31,095 $78,170 $163,208
AVG LOSS EXPENSE $18,146 $14,567 $14,626 $8,997 $16,758 $1,107 $9,676 $2,234 $25,325 $7,331
-$5,000
$15,000
$35,000
$55,000
$75,000
$95,000
$115,000
$135,000
$155,000
$175,000
$195,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 40 20 34 73 52 47 52 107 101 51
CLOSED WITH PAYMENT 7 8 3 9 11 6 4 3 13 6
CLOSED WITHOUT PAYMENT 33 12 31 64 41 41 48 104 88 45
0
20
40
60
80
100
120
Nu
mb
er
of
Cla
ims
45
FAILURE TO ASCERTAIN DEADLINE CORRECTLY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $92,223 $65,013 $119,829 $202,692 $37,273 $94,616 $461,315 $0 $360,000 $222,738
AVG LOSS EXPENSE $23,215 $122,520 $13,184 $7,316 $2,625 $9,105 $12,809 $154 $8,499 $3,793
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 26 18 27 20 36 49 30 31 21 24
CLOSED WITH PAYMENT 11 7 7 6 11 16 7 0 4 7
CLOSED WITHOUT PAYMENT 15 11 20 14 25 33 23 31 17 17
0
10
20
30
40
50
60
Nu
mb
er
of
Cla
ims
46
FAILURE TO KNOW OR PROPERLY APPLY THE LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $31,340 $509,110 $40,800 $47,803 $95,154 $83,500 $155,900 $22,268 $64,275 $199,625
AVG LOSS EXPENSE $15,790 $32,965 $15,713 $43,640 $32,624 $11,307 $36,119 $6,452 $46,633 $43,061
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 23 18 17 18 13 20 15 19 13 14
CLOSED WITH PAYMENT 9 4 5 7 5 8 5 3 4 4
CLOSED WITHOUT PAYMENT 14 14 12 11 8 12 10 16 9 10
0
3
6
9
12
15
18
21
24
27
Nu
mb
er
of
Cla
ims
47
FRAUD
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $20,750 $4,990 $30,000 $12,500 $0 $57,801 $37,500 $0 $400,000 $153,516
AVG LOSS EXPENSE $54,229 $842 $21,098 $12,862 $25,715 $23,890 $8,098 $0 $169,931 $59,242
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 5 6 5 9 7 15 7 6 4 12
CLOSED WITH PAYMENT 2 1 1 1 0 4 2 0 1 4
CLOSED WITHOUT PAYMENT 3 5 4 8 7 11 5 6 3 8
0
3
6
9
12
15
18
21
Nu
mb
er
of
Cla
ims
48
PLANNING OR STRATEGY ERROR
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $131,178 $59,264 $214,066 $230,381 $384,386 $247,734 $85,753 $172,045 $252,229 $211,250
AVG LOSS EXPENSE $30,093 $14,265 $51,080 $46,027 $54,173 $15,244 $22,466 $4,236 $52,650 $55,241
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 39 39 22 15 28 27 25 27 13 11
CLOSED WITH PAYMENT 11 8 6 5 10 9 9 5 4 4
CLOSED WITHOUT PAYMENT 28 31 16 10 18 18 16 22 9 7
0
10
20
30
40
50
Nu
mb
er
of
Cla
ims
49
CONFLICT OF INTEREST
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $250,513 $0 $79,567 $1,147,032 $0 $0 $41,250 $0 $456,918 $200,500
AVG LOSS EXPENSE $38,105 $1,996 $31,930 $108,636 $20,634 $59,676 $215,739 $174,111 $128,676 $52,434
$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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 8 6 10 5 4 6 6 4 5 9
CLOSED WITH PAYMENT 4 0 4 1 0 0 1 0 3 5
CLOSED WITHOUT PAYMENT 4 6 6 4 4 6 5 4 2 4
0
2
4
6
8
10
12
14
Nu
mb
er
of
Cla
ims
50
FAILURE TO FOLLOW CLIENTS INSTRUCTIONS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $113,747 $161,667 $79,400 $62,500 $13,000 $30,250 $587,500 $1,050,000 $0 $54,250
AVG LOSS EXPENSE $21,401 $36,757 $3,652 $9,175 $6,156 $11,236 $72,096 $16,658 $2,687 $37,113
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 14 14 11 10 14 12 8 13 4 8
CLOSED WITH PAYMENT 3 3 1 2 1 2 2 1 0 2
CLOSED WITHOUT PAYMENT 11 11 10 8 13 10 6 12 4 6
0
4
8
12
16
20
Nu
mb
er
of
Cla
ims
51
INADEQUATE INVESTIGATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $572,500 $74,422 $29,500 $77,500 $30,390 $74,500 $94,045 $375,000 $202,264 $75,000
AVG LOSS EXPENSE $66,883 $21,514 $29,483 $15,700 $30,962 $10,919 $86,762 $402 $36,318 $24,396
$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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 11 16 9 5 20 16 18 8 11 8
CLOSED WITH PAYMENT 2 3 2 1 5 6 6 1 7 1
CLOSED WITHOUT PAYMENT 9 13 7 4 15 10 12 7 4 7
0
3
6
9
12
15
18
21
24
Nu
mb
er
of
Cla
ims
52
FAILURE TO CALENDAR PROPERLY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $99,200 $22,500 $64,833 $33,292 $165,527 $50,000 $19,233 $45,000 $80,625 $159,976
AVG LOSS EXPENSE $352 $533 $25,086 $27,922 $19,612 $30,477 $1,764 $0 $30,538 $35,602
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 11 7 10 12 6 3 5 2 5 7
CLOSED WITH PAYMENT 8 2 6 8 4 1 3 1 4 6
CLOSED WITHOUT PAYMENT 3 5 4 4 2 2 2 1 1 1
0
2
4
6
8
10
12
14
16
Nu
mb
er
of
Cla
ims
53
FAILURE TO FILE DOCUMENTS WITH NO DEADLINE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $92,083 $153,839 $0 $28,442 $54,683 $25,201 $0 $42,589 $37,500 $44,500
AVG LOSS EXPENSE $55,983 $13,087 $319 $7,514 $9,816 $17,414 $53,713 $6,228 $938 $10,983
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 11 9 15 11 8 8 5 18 7 6
CLOSED WITH PAYMENT 3 2 0 6 3 3 0 4 1 4
CLOSED WITHOUT PAYMENT 8 7 15 5 5 5 5 14 6 2
0
3
6
9
12
15
18
21
Nu
mb
er
of
Cla
ims
54
TEN YEAR SUMMARY
&
2015 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
2006-2
015
CL
AIM
DIS
PO
SIT
ION
A
LL
C
LO
SE
D
CL
AIM
S
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 O
R H
EA
RIN
G
944
320
58.1
8%
$128
,25
5
$41,0
41,7
49
62.1
3%
$31,0
92
BE
FO
RE
FIL
ING
SU
IT O
R D
EM
AN
DIN
G H
EA
RIN
G
905
198
36.0
0%
$86,1
78
$17,0
63,1
99
25.8
3%
$3,1
10
CLA
IM O
R S
UIT
AB
AN
DO
NE
D
201
0
0.0
0%
N
/A
$0
0.0
0%
$1,4
88
AF
TE
R A
PP
EA
L
65
5
0.9
1%
$523
,17
3
$2,6
15,8
67
3.9
6%
$94,0
76
DU
RIN
G T
RIA
L O
R H
EA
RIN
G
54
11
2.0
0%
$172
,33
9
$1,8
95,7
30
2.8
7%
$55,0
53
AF
TE
R T
RIA
L O
R H
EA
RIN
G, B
EF
OR
E J
UD
GM
EN
T
51
5
0.9
1%
$133
,97
7
$669
,88
5
1.0
1%
$37,4
14
AF
TE
R J
UD
GM
EN
T, B
EF
OR
E A
PP
EA
L
50
8
1.4
5%
$304
,33
9
$2,4
34,7
15
3.6
9%
$54,3
15
DU
RIN
G A
PP
EA
L
16
3
0.5
5%
$113
,74
7
$341
,24
0
0.5
2%
$74,7
05
DU
RIN
G R
EV
IEW
PA
NE
L
9
0
0.0
0%
N
/A
$0
0.0
0%
$8,7
61
TO
TA
L
2,2
95
550
100.0
0%
$120
,11
3
$66,0
62,3
85
100.0
0%
$20,6
76
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
015
CL
AIM
DIS
PO
SIT
ION
A
LL
C
LO
SE
D
CL
AIM
S
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 O
R H
EA
RIN
G
77
32
64.0
0%
$197
,74
5
$6,3
27,8
36
80.8
4%
$47,8
25
BE
FO
RE
FIL
ING
SU
IT O
R D
EM
AN
DIN
G H
EA
RIN
G
73
18
36.0
0%
$83,3
14
$1,4
99,6
55
19.1
6%
$4,5
74
CLA
IM O
R S
UIT
AB
AN
DO
NE
D
16
0
0.0
0%
N
/A
$0
0.0
0%
$79
AF
TE
R A
PP
EA
L
5
0
0.0
0%
N
/A
$0
0.0
0%
$35,9
75
AF
TE
R J
UD
GM
EN
T, B
EF
OR
E A
PP
EA
L
4
0
0.0
0%
N
/A
$0
0.0
0%
$13,8
88
DU
RIN
G T
RIA
L O
R H
EA
RIN
G
2
0
0.0
0%
N
/A
$0
0.0
0%
$33,3
88
DU
RIN
G A
PP
EA
L
1
0
0.0
0%
N
/A
$0
0.0
0%
$0
DU
RIN
G R
EV
IEW
PA
NE
L
1
0
0.0
0%
N
/A
$0
0.0
0%
$58,8
48
TO
TA
L
179
50
100.0
0%
$156
,55
0
$7,8
27,4
91
100.0
0%
$24,4
62
58
TRENDS
OF THE TOP EIGHT
CLAIM DISPOSITIONS
OF 2015
59
60
BEFORE TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $89,818 $83,590 $87,697 $118,951 $168,776 $114,004 $168,186 $127,165 $152,265 $197,745
AVG LOSS EXPENSE $29,942 $27,858 $31,549 $48,822 $32,419 $19,115 $44,102 $3,399 $47,908 $47,825
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 118 88 72 66 72 106 111 141 93 77
CLOSED WITH PAYMENT 42 33 32 36 28 43 33 13 28 32
CLOSED WITHOUT PAYMENT 76 55 40 30 44 63 78 128 65 45
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $79,243 $47,794 $33,486 $34,640 $63,181 $71,226 $221,950 $171,781 $176,933 $83,314
AVG LOSS EXPENSE $1,436 $1,790 $1,049 $1,582 $1,458 $3,809 $4,995 $2,567 $10,913 $4,574
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 99 101 113 102 90 94 78 83 72 73
CLOSED WITH PAYMENT 24 24 20 23 24 25 16 9 15 18
CLOSED WITHOUT PAYMENT 75 77 93 79 66 69 62 74 57 55
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $59 $0 $2,283 $1,137 $307 $2,353 $686 $7,005 $449 $79
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 13 12 17 35 31 31 16 17 13 16
CLOSED WITH PAYMENT 0 0 0 0 0 0 0 0 0 0
CLOSED WITHOUT PAYMENT 13 12 17 35 31 31 16 17 13 16
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $45,157 $1,425,558 $999,995 $0 $100,000 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $76,797 $210,924 $159,973 $14,833 $62,794 $124,465 $17,604 $19,091 $66,539 $35,975
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 9 10 8 4 11 5 2 6 5 5
CLOSED WITH PAYMENT 2 1 1 0 1 0 0 0 0 0
CLOSED WITHOUT PAYMENT 7 9 7 4 10 5 2 6 5 5
0
2
4
6
8
10
12
14
Nu
mb
er
of
Cla
ims
64
AFTER JUDGMENT, BEFORE APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $839,000 $0 $0 $450,416 $46,092 $140,785 $0 $11,500 $0 $0
AVG LOSS EXPENSE $131,246 $15,561 $2,909 $43,696 $105,263 $29,025 $169,124 $77,787 $16,363 $13,888
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 2 6 3 5 9 4 2 7 8 4
CLOSED WITH PAYMENT 1 0 0 3 2 1 0 1 0 0
CLOSED WITHOUT PAYMENT 1 6 3 2 7 3 2 6 8 4
0
2
4
6
8
10
Nu
mb
er
of
Cla
ims
65
DURING TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $131,010 $0 $0 $149,650 $5,276 $50,000 $0 $0 $345,251 $0
AVG LOSS EXPENSE $85,399 $13,956 $5,701 $58,230 $36,272 $71,127 $260,284 $86,931 $58,954 $33,388
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 11 8 6 5 5 5 1 3 8 2
CLOSED WITH PAYMENT 5 0 0 1 1 1 0 0 3 0
CLOSED WITHOUT PAYMENT 6 8 6 4 4 4 1 3 5 2
0
2
4
6
8
10
12
14
Nu
mb
er
of
Cla
ims
66
DURING APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $104,240 $0 $0 $0 $125,000 $112,000 $0 $0 $0 $0
AVG LOSS EXPENSE $65,634 $0 $6,741 $51,592 $204,797 $138,874 $0 $0 $113,828 $0
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 3 1 1 1 2 3 2 1 1 1
CLOSED WITH PAYMENT 1 0 0 0 1 1 0 0 0 0
CLOSED WITHOUT PAYMENT 2 1 1 1 1 2 2 1 1 1
0
1
2
3
4
5
6
7
8
Nu
mb
er
of
Cla
ims
67
DURING REVIEW PANEL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $0 $0 $0 $4,000 $0 $0 $0 $0 $0 $58,848
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 0 0 0 5 2 0 0 0 1 1
CLOSED WITH PAYMENT 0 0 0 0 0 0 0 0 0 0
CLOSED WITHOUT PAYMENT 0 0 0 5 2 0 0 0 1 1
0
1
2
3
4
5
6
7
8
Nu
mb
er
of
Cla
ims
68
TEN YEAR SUMMARY
&
2015 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
2006-2
015
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 Y
EA
RS
2,1
83
513
93.2
7%
$120
,85
5
$61,9
98,8
35
93.8
5%
$21,0
17
4 T
O 1
0 Y
EA
RS
91
32
5.8
2%
$91,8
19
$2,9
38,2
00
4.4
5%
$15,4
88
UN
DE
R 4
YE
AR
S
21
5
0.9
1%
$225
,07
0
$1,1
25,3
50
1.7
0%
$7,6
81
TO
TA
L
2,2
95
550
100.0
0%
$120
,11
3
$66,0
62,3
85
100.0
0%
$20,6
76
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
015
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 Y
EA
RS
171
46
92.0
0%
$154
,83
7
$7,1
22,4
91
90.9
9%
$24,3
74
4 T
O 1
0 Y
EA
RS
7
3
6.0
0%
$121
,66
7
$365
,00
0
4.6
6%
$28,2
42
UN
DE
R 4
YE
AR
S
1
1
2.0
0%
$340
,00
0
$340
,00
0
4.3
4%
$13,1
29
TO
TA
L
179
50
100.0
0%
$156
,55
0
$7,8
27,4
91
100.0
0%
$24,4
62
72
TRENDS
OF
YEARS ADMITTED TO PRACTICE
FOR 2015
73
74
OVER 10 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $99,599 $92,335 $87,901 $109,644 $114,928 $96,545 $201,277 $140,727 $168,275 $154,837
AVG LOSS EXPENSE $21,932 $23,377 $17,967 $19,224 $23,241 $16,525 $30,179 $6,064 $32,253 $24,374
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 244 226 209 222 219 242 205 251 194 171
CLOSED WITH PAYMENT 73 56 49 62 57 68 46 17 39 46
CLOSED WITHOUT PAYMENT 171 170 160 160 162 174 159 234 155 125
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $46,039 $86,490 $43,667 $3,463 $0 $107,500 $23,333 $38,661 $198,632 $121,667
AVG LOSS EXPENSE $50,996 $11,469 $22,361 $3,095 $2,148 $6,297 $2,425 $14,121 $9,969 $28,242
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 11 8 7 5 10 10 9 10 14 7
CLOSED WITH PAYMENT 2 3 3 2 0 4 3 5 7 3
CLOSED WITHOUT PAYMENT 9 5 4 3 10 6 6 5 7 4
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $0 $0 $37,850 $0 $120,000 $0 $2,500 $625,000 $0 $340,000
AVG LOSS EXPENSE $13,202 $0 $1,098 $0 $17,064 $0 $5,999 $22,650 $0 $13,129
$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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 2 2 7 0 2 0 2 3 2 1
CLOSED WITH PAYMENT 0 0 1 0 1 0 1 1 0 1
CLOSED WITHOUT PAYMENT 2 2 6 0 1 0 1 2 2 0
0
1
2
3
4
5
6
7
8
9
10
Nu
mb
er
of
Cla
ims
77
78
TEN YEAR SUMMARY
&
2015 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
2006-2
015
INS
UR
ED
’S R
EL
AT
ION
SH
IP T
O T
HE
C
LA
IMA
NT
A
LL
C
LO
SE
D
CL
AIM
S
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
CLIE
NT
OT
HE
R T
HA
N A
BO
VE
1,6
59
462
84.0
0%
$128
,28
6
$59,2
68,0
81
89.7
2%
$22,9
15
NO
N-C
LIE
NT
624
85
15.4
5%
$75,8
86
$6,4
50,3
04
9.7
6%
$13,2
17
ME
MB
ER
PR
E-P
AID
LE
GA
L P
LA
N
8
3
0.5
5%
$114
,66
7
$344
,00
0
0.5
2%
$72,7
19
FR
EE
LE
GA
L S
ER
VIC
E
4
0
0.0
0%
N
/A
$0
0.0
0%
$151
,45
4
TO
TA
L
2,2
95
550
100.0
0%
$120
,11
3
$66,0
62,3
85
100.0
0%
$20,6
76
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
015
INS
UR
ED
’S R
EL
AT
ION
SH
IP T
O T
HE
C
LA
IMA
NT
A
LL
C
LO
SE
D
CL
AIM
S
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
CLIE
NT
OT
HE
R T
HA
N A
BO
VE
132
42
84.0
0%
$175
,02
2.1
0
$7,3
50,9
28
93.9
1%
$23,3
58
NO
N-C
LIE
NT
46
7
14.0
0%
$67,5
09.0
0
$472
,56
3
6.0
4%
$28,0
73
ME
MB
ER
PR
E-P
AID
LE
GA
L P
LA
N
1
1
2.0
0%
$4,0
00.0
0
$4,0
00
0.0
5%
$4,1
45
TO
TA
L
179
50
100.0
0%
$156
,54
9.8
2
$7,8
27,4
91
100.0
0%
$24,4
62
82
TRENDS
OF
INSURED/CLAIMANT
RELATIONSHIP
FOR 2015
83
84
CLIENT OTHER THAN FREE LEGAL SERVICE OR MEMBER OF PRE-PAID LEGAL PLAN
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $94,758 $97,966 $88,645 $121,958 $126,677 $99,444 $209,356 $140,937 $191,034 $175,022
AVG LOSS EXPENSE $25,837 $26,668 $18,841 $22,959 $22,082 $12,762 $35,241 $7,183 $37,466 $23,358
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 204 181 169 166 157 175 147 176 152 132
CLOSED WITH PAYMENT 69 53 45 53 47 56 40 21 36 42
CLOSED WITHOUT PAYMENT 135 128 124 113 110 119 107 155 116 90
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
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $137,417 $32,598 $60,876 $31,005 $65,187 $89,138 $76,889 $125,500 $107,592 $67,509
AVG LOSS EXPENSE $12,601 $8,872 $13,993 $7,737 $22,683 $16,268 $8,421 $5,286 $12,209 $28,073
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 53 53 52 61 74 76 65 87 57 46
CLOSED WITH PAYMENT 6 5 8 11 11 16 9 2 10 7
CLOSED WITHOUT PAYMENT 47 48 44 50 63 60 56 85 47 39
0
10
20
30
40
50
60
70
80
90
100
Nu
mb
er
of
Cla
ims
86
MEMBER PRE-PAID LEGAL PLAN
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AVG PAID INDEMNITY $0 $75,000 $0 $0 $0 $0 $265,000 $0 $0 $4,000
AVG LOSS EXPENSE $0 $38,908 $0 $0 $0 $0 $123,156 $7,168 $0 $4,145
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
ALL CLAIMS 0 2 0 0 0 0 4 1 0 1
CLOSED WITH PAYMENT 0 1 0 0 0 0 1 0 0 1
CLOSED WITHOUT PAYMENT 0 1 0 0 0 0 3 1 0 0
0
1
2
3
4
5
Nu
mb
er
of
Cla
ims
87
88
PREMIUM AND
LOSS DATA
89
90
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
2015 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
2951
3
BA
R P
LA
N M
UT
UA
L I
NS
UR
AN
CE
CO
MP
AN
Y T
HE
65.3
1%
$10,7
45,2
19
$10,8
41,6
65
$5,2
23,0
57
48.1
8%
2044
3
CO
NT
INE
NT
AL C
AS
UA
LT
Y C
OM
PA
NY
21.3
9%
$3,5
19,9
03
$3,4
10,8
75
$3,7
34,1
53
109.4
8%
2229
2
HA
NO
VE
R I
NS
UR
AN
CE
CO
MP
AN
Y T
HE
5.6
0%
$920
,52
5
$1,0
73,7
99
$227
,42
4
21.1
8%
3245
0
AL
PS
PR
OP
ER
TY
& C
AS
UA
LT
Y C
OM
PA
NY
3.5
4%
$582
,91
3
$501
,29
1
$9,9
44
1.9
8%
3727
3
AX
IS IN
SU
RA
NC
E C
OM
PA
NY
1.2
7%
$208
,64
3
$111
,64
3
($5,4
48)
-4.8
8%
2945
9
TW
IN C
ITY
FIR
E IN
SU
RA
NC
E C
OM
PA
NY
1.0
5%
$171
,95
9
$175
,30
2
($24,9
90)
-14.2
6%
1951
8
CA
TLIN
IN
SU
RA
NC
E C
OM
PA
NY
IN
C
0.7
9%
$130
,02
7
$127
,56
4
$0
0.0
0%
3119
4
TR
AV
EL
ER
S C
AS
UA
LT
Y A
ND
SU
RE
TY
CO
MP
AN
Y O
F
AM
ER
0.7
4%
$121
,22
7
$113
,82
3
$60,0
00
52.7
1%
2232
2
GR
EE
NW
ICH
IN
SU
RA
NC
E C
OM
PA
NY
0.1
2%
$18,9
41
$18,7
26
$10,7
15
57.2
2%
2224
1
ME
DM
AR
C C
AS
UA
LT
Y IN
SU
RA
NC
E C
OM
PA
NY
0.1
1%
$17,6
62
$22,5
54
$2,6
96
11.9
5%
1100
0
SE
NT
INE
L IN
SU
RA
NC
E C
OM
PA
NY
LT
D
0.0
7%
$11,7
88
$10,9
88
$0
0.0
0%
2942
4
HA
RT
FO
RD
CA
SU
ALT
Y I
NS
UR
AN
CE
CO
0.0
2%
$3,6
52
$3,9
90
$0
0.0
0%
1283
1
ST
AT
E N
AT
ION
AL IN
SU
RA
NC
E C
OM
PA
NY
IN
C
0.0
0%
$0
$0
($1,0
00)
N/A
1586
5
NC
MIC
IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
($706)
N/A
1669
1
GR
EA
T A
ME
RIC
AN
IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
$85,5
39
N/A
2197
0
BE
DIV
ER
E IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
$579
,36
5
N/A
2213
6
GR
EA
T A
ME
RIC
AN
IN
SU
RA
NC
E C
OM
PA
NY
OF
NE
W
YO
RK
0.0
0%
$0
$0
$251
,80
1
N/A
2273
0
ALLIE
D W
OR
LD
IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
$1,0
74,9
18
N/A
2558
5
PR
OF
ES
SIO
NA
LS
DIR
EC
T IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
$646
,21
2
N/A
TO
TA
L
100.0
0%
$16,4
52,4
59
$16,4
12,2
20
$11,8
73,6
80
72.3
5%
91
PA
GE
19 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
2006
$17,4
35,4
56
$16,7
19,0
59
$11,7
20,9
58
70.1
1%
2007
$17,7
27,7
31
$17,1
52,6
84
$4,4
64,2
12
26.0
3%
2008
$16,3
24,5
91
$16,7
66,8
53
$3,9
59,8
72
23.6
2%
2009
$15,7
87,7
23
$15,9
94,8
07
$5,7
38,1
99
35.8
8%
2010
$14,9
55,3
13
$15,1
24,7
31
$9,2
38,4
27
61.0
8%
2011
$14,2
69,4
99
$14,6
08,0
84
$5,5
14,1
32
37.7
5%
2012
$15,3
56,9
50
$15,0
88,4
54
$9,8
71,3
52
65.4
2%
2013
$15,8
43,2
63
$15,2
21,1
20
$9,2
91,2
32
61.0
4%
2014
$16,7
25,3
95
$16,7
87,6
27
$8,9
75,1
08
53.4
6%
2015
$16,4
52,4
59
$16,4
12,2
20
$11,8
73,6
80
72.3
5%
10-Y
EA
R T
OT
AL
$160
,87
8,3
80
$159
,87
5,6
39
$80,6
47,1
72
50.4
4%
92
PA
GE
19
SU
PP
LE
ME
NT
LE
GA
L M
AL
PR
AC
TIC
E E
XP
ER
IEN
CE
TE
N Y
EA
R L
OS
S R
AT
IO S
UM
MA
RY
200
62
00
72
00
82
00
92
01
02
01
12
01
22
01
32
01
42
01
5
Lo
ss R
ati
o7
0.1
1%
26.0
3%
23.6
2%
35.8
8%
61.0
8%
37.7
5%
65.4
2%
61.0
4%
53.4
6%
72.3
5%
0.0
0%
10.0
0%
20.0
0%
30.0
0%
40.0
0%
50.0
0%
60.0
0%
70.0
0%
80.0
0%
Loss Ratio
93
Insurance Consumer HotlineContact DIFP’s Insurance Consumer Hotline
if you have questions about your insurance policy or to file a complaint against an
insurance company or agent:
DIFPDepartment of Insurance, Financial Institutions & Professional Registration
difp.mo.gov800-726-7390
JUNE 2016
Harry S Truman Building, Room 530301 W. High St.
PO Box 690Jefferson City, MO 65102
