Supplementary Payments or Sub-Limit Coverages

Often times, insurance carriers will add additional policy benefits or features that are separate and distinct from the primary coverage provided to the Named Insured. Many of these additional policy benefits or features are provided within the policy to protect the Named Insured for other types of exposure an attorney may face unrelated to an “act, error, or omission.” Perhaps two of the more common additional benefits or features provided under an LPLI policy are the subpoena assistance benefit and the supplementary payment made available in conjunction with a disciplinary proceeding before a state licensing board or disciplinary agency. It is important to note that these additional policy benefits have a separate and distinct maximum limit that the LPLI carrier will pay with respect to the additional policy benefit.