New Year, New Coverage: Legal Malpractice vs. Cyber Insurance

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Happy New Year! As we step into 2025, many of us are setting resolutions to eat better, exercise more, and stick to healthier habits. Whether you’re all-in on resolutions or taking a pass this year, there’s one goal we can all embrace: improving our protection. For lawyers and law firms, this means reassessing your insurance coverage to ensure you’re adequately protected against today’s risks.

Why You Need Both Legal Malpractice and Cyber Insurance

As a legal professional, you face a variety of exposures every day. Two of the most significant are legal malpractice and cyber risks. Unfortunately, there’s a common misconception that these two types of insurance are interchangeable. They’re not. Each addresses a distinct set of risks, and failing to carry both could leave you vulnerable.

Legal Malpractice Insurance This coverage is designed to protect you and your firm against claims of professional negligence. If a client alleges that your legal services caused them harm, your legal malpractice policy provides a safety net. While some policies may include minimal coverage for cyber-related incidents, this is typically limited in scope and insufficient to address the full range of cyber risks.

Cyber Insurance Cyber insurance, on the other hand, protects your firm against cyber threats like data breaches, ransomware attacks, and other digital risks. These policies are tailored to address the financial and operational impacts of cyber incidents, including notification costs, regulatory fines, and business interruption. Unlike legal malpractice insurance, cyber insurance doesn’t cover claims of professional negligence.

Understanding the Differences

It’s critical to understand that these two policies are not interchangeable. While there may be some overlap—such as limited cyber coverage under a legal malpractice policy—the limits are usually low, and the coverage may not even trigger in certain scenarios. Similarly, cyber policies don’t provide protection against claims of legal malpractice. Relying on one policy to cover both risks is a gamble that could cost you dearly.

Protecting Your Practice in 2025

Make 2025 the year you take a proactive approach to safeguarding your practice. Ensure you have comprehensive legal malpractice and cyber insurance coverage in place. Doing so not only protects you and your firm but also your employees and clients.

If you’re unsure whether your current policies provide adequate protection, let’s talk. I’m here to help you navigate your insurance needs and ensure you’re fully covered for the challenges ahead.

Remember, I’m Don I, your insurance guy. Let’s make this the year of better protection for you and your practice. Give me a call, and let’s discuss your options today!

Beware of SMishing (SMS Phishing) This Holiday Season

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As the holiday season approaches, it’s not just Santa Claus and jingle bells we need to watch out for—there’s also a growing threat called SMishing, or SMS phishing. While phishing through emails has been around for years, SMishing operates through text messages, attempting to deceive you into providing sensitive personal information.

What is SMishing?

SMishing is a form of phishing that targets your mobile phone through text messages. Just like phishing emails, these messages aim to trick you into clicking on links or answering questions that divulge personally identifiable information (PII). Once scammers obtain this information, they can use it for fraudulent activities, potentially ruining your holiday cheer.

How Does SMishing Work?

One of the most common SMishing tactics involves fake delivery notifications. You might receive a text claiming that your package is on its way, with a request to confirm your address or answer a few questions. These messages often include a link that, when clicked, leads to a site designed to collect your personal details.

These scams are particularly effective during the holiday season when many of us are expecting packages and might not think twice about a message from a delivery service.

How to Spot a SMishing Attempt

To avoid falling victim to SMishing, keep an eye out for these red flags:

  1. Unknown Numbers: If you receive a text from a number you don’t recognize, especially one with a foreign area code, proceed with caution. SMishing messages often originate from unfamiliar numbers.
  2. Poor Grammar: Pay close attention to the grammar and formatting of the message. SMishing texts frequently contain typos, unusual capitalizations, or improper sentence structure, signaling their fraudulent nature.
  3. Unsolicited Links: Never click on links from unknown senders. If you receive a suspicious message, delete it immediately. Clicking on these links could expose your personal information or infect your device with malware.

Stay Safe This Holiday Season

The holidays should be a time of joy, not stress. By staying vigilant and recognizing the signs of SMishing, you can protect yourself and your loved ones from falling victim to these scams.

If you’re unsure about a text, it’s better to err on the side of caution. Reach out to the purported sender through a trusted method, such as their official website or customer service line, to verify the message’s legitimacy.

Enjoy the holidays, stay safe, and don’t let SMishing spoil your festive spirit. Remember, protecting your personal information is one of the best gifts you can give yourself this season!

Make the Most of Your Legal Malpractice Policy: Don’t Overlook Ancillary Coverages

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When it comes to legal malpractice insurance, you might have heard the saying, “There’s no such thing as a free lunch.” While it’s true that nothing in life is entirely free, your legal malpractice insurance policy may include valuable features known as ancillary coverages. These are not “free” in the traditional sense, but they are part of the package you’re already paying for — and they can provide significant benefits. Here’s why you should take full advantage of these offerings.

Continuing Education (CE) Classes: Boost Your Credits at No Extra Cost

One of the most useful ancillary coverages included in many legal malpractice policies is access to free Continuing Education (CE) or Continuing Legal Education (CLE) classes. These classes are typically available online, making them convenient and flexible for your schedule. Even better, in states like Pennsylvania, these classes often qualify for ethics credits.

Think about it: If you’re currently paying out-of-pocket for these courses, why not save that money? Whether it’s $10, $20, or even $50 per credit, those savings add up quickly. This is an excellent example of utilizing the resources already available to you within your policy to keep your hard-earned money where it belongs — in your pocket.

Disciplinary Coverage: Protection When You Need It Most

Another key feature of ancillary coverages is disciplinary coverage. No attorney wants to receive that dreaded letter notifying them of a disciplinary charge, but if it happens, it’s reassuring to know that your policy may help cover some of the costs associated with hiring legal representation. Having access to a lawyer who can help you navigate the disciplinary process and prepare a defense is invaluable. This support can make a challenging situation a bit less stressful.

Risk Management Resources: Tools to Help Prevent Claims

Risk management websites provided by your insurance carrier are another great resource you might be overlooking. These websites offer a wealth of information, including sample engagement and disengagement letters, updates on legal trends, and best practices for minimizing your risk of malpractice claims. By tapping into these resources, you can stay informed about the latest industry developments and enhance your practice management — ultimately helping to reduce your exposure to potential claims.

Don’t Miss Out: Review Your Policy Today

Your legal malpractice policy likely includes a highlight sheet listing the various ancillary coverages and resources available to you. Take a moment to review it. You might be surprised at the number of valuable tools and services you already have access to, all included in your policy.

In conclusion, while there may be no such thing as a free lunch, there are plenty of beneficial features baked into your legal malpractice policy. Make sure you’re taking full advantage of them to save time, reduce costs, and protect your practice.

Don’t Let Cyber Threats Haunt You: Essential Tips & Cyber Liability Insurance for Extra Protection

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As Cybersecurity Awareness Month comes to a close, we’re reflecting on the importance of keeping your digital space secure—both at work and at home. This October, we’ve spotlighted essential strategies to ward off potential cyber threats that can haunt any business. From scam emails to weak passwords, each topic tackled a vital piece of the cybersecurity puzzle.

Imagine standing in front of a graveyard filled with goblins and skeletons, each one representing the digital threats that lurk online: ransomware, phishing scams, and weak passwords, to name a few. Just like these ghouls and goblins, cyber threats may seem harmless until they slip through the cracks. But don’t fear; there are simple ways to keep them at bay. Here’s a quick recap of the strategies we covered and how each one can help strengthen your defense:

  1. Don’t Let Scam Emails Breach Your Defense – Phishing Protection
  2. Unique Passwords Are Key – Strengthening Your Password Security
  3. Strengthen Your Cyber Defense with Fresh Updates – The Importance of Regular Software Updates
  4. Multi-Factor Authentication – An Added Layer of Security

For those looking to add even more robust protection, consider adding a cyber liability insurance policy. This added layer of security can provide peace of mind in the event of a cyber incident, covering potential financial damages.

If you have any questions or would like to learn more about cyber liability insurance, feel free to reach out. Cybersecurity threats may be spooky, but with these strategies and a proactive approach, you can keep them at bay year-round.

Multi-Factor Authentication: A Stronger Defense for Your Cybersecurity

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Welcome to Week 4 of Cybersecurity Awareness Month! As we continue to focus on protecting your digital assets, it’s time to discuss one of the most effective methods to secure your accounts—Multi-Factor Authentication (MFA). By adding multiple layers of defense, MFA helps to ensure that only authorized users can access your sensitive data.

What Is Multi-Factor Authentication (MFA)?

Multi-Factor Authentication (MFA) is a security measure that requires users to provide two or more verification steps to access an account. Think of it as an extra lock on your digital door. Even if a hacker manages to steal your password, they still need to pass through another security checkpoint to gain access.

How Does MFA Work?

MFA typically comes into play after you’ve entered your password. To complete the login process, you’ll need to provide additional proof of identity. Here are some common types of MFA verification methods:

  • An extra PIN: A four- to six-digit code that you must enter in addition to your password.
  • Security questions: Pre-set questions that only you should be able to answer, like your mother’s maiden name or the name of your first pet.
  • Code sent via email or text: A temporary code is sent to your phone or email, which you must enter to proceed.
  • Biometric scan: This could be a fingerprint, facial recognition, or even voice recognition, ensuring that only you can access your account.
  • Authenticator app: These apps generate a unique number every 30 seconds, which you use to verify your identity.
  • Secure token: A physical device like a key fob that generates a code, providing an extra layer of security.

Why Should You Use MFA?

In a world where cyber threats are constantly evolving, relying solely on passwords is no longer enough. MFA significantly reduces the risk of unauthorized access by adding an additional barrier that hackers must overcome. It’s especially crucial for protecting sensitive information such as financial data, client records, and other confidential materials.

By adopting MFA, businesses can ensure better data protection for their clients and themselves. This simple yet effective security measure helps prevent breaches that could lead to identity theft, financial losses, and damaged reputations.

Take Action Today to Protect Your Business

Cybersecurity is not just about having strong passwords; it’s about adding multiple layers of protection. By enabling MFA, you take a proactive step toward securing your digital environment. Start enhancing your firm’s cybersecurity with these layered defenses and stay ahead of potential threats.

And if you’re looking for additional ways to mitigate your risk, consider cyber liability insurance. It’s a crucial safeguard for businesses in today’s digital age. For more information, give us a call at 412-563-2106.

Strengthen your defenses and keep your data secure—because in the digital world, a little extra protection goes a long way.

Cybersecurity Awareness Month: Strengthen Your Defense with Fresh Updates

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In today’s rapidly evolving digital landscape, cybersecurity requires constant vigilance. One critical step that’s often overlooked is keeping your software up to date. As we enter Week 3 of Cybersecurity Awareness Month, let’s shine a light on why software updates are essential for maintaining a strong digital defense.

Why Software Updates Matter for Your Security

Software updates are like fresh defenses in the ever-changing battlefield of cybersecurity. Much like a lawyer reviewing the latest case files to stay sharp, updating your software ensures that your security strategies are current. These updates contain patches that protect against newly discovered vulnerabilities. Without them, your system becomes an open target for cybercriminals looking to exploit any weaknesses.

The Risks of Outdated Software

Cybercriminals are always on the lookout for outdated software, which is more vulnerable to attacks. When you neglect to update, you’re essentially leaving the door open for hackers. Whether it’s your operating system, browser, or any application, outdated software creates gaps in your defenses that can easily be breached. By keeping everything up to date, you close those gaps and ensure your system is fortified against the latest threats.

The Importance of Trusted Sources for Updates

Not all software updates are created equal, and it’s crucial to download them from legitimate, trusted sources. Using unlicensed or hacked versions can introduce malware into your system, creating more problems than they solve. Always ensure you’re updating from official websites or platforms to avoid unintentionally weakening your cybersecurity.

How to Stay Ahead: Enable Automatic Updates

A simple way to never miss an important update is by enabling automatic updates. This feature ensures your software is always running the latest version, equipped with all necessary security patches. With automatic updates enabled, you won’t have to worry about remembering to manually update your software, and your system will stay protected.

Final Thoughts: Keep Your Defenses Strong with Regular Updates

In the world of cybersecurity, staying up to date is a key part of maintaining a strong system defense. Think of software updates as a routine check-up for your digital health. By making them a priority, you’ll ensure your defenses are ready to face any new threats. Stay vigilant, stay updated, and stay secure.

Cybersecurity Awareness Month: How Strong is Your Password?

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Welcome to another exciting week of Cybersecurity Awareness Month! This week, we’re diving into the essential topic of password security. Imagine your password as your first line of defense in the courtroom of cybersecurity. It needs to be strong, unique, and hard to crack.

Why Password Strength Matters

Hackers often break into accounts by guessing or stealing weak passwords. Using the same password across multiple sites is like using the same defense strategy in every case—it makes you vulnerable. Protecting yourself starts with using strong, unique passwords.

Tips for Strong Passwords

  1. Length and Complexity: Ensure your password is at least 12 characters long. Mix it up with upper and lower case letters, numbers, and special symbols.
  2. Uniqueness: Each account should have a different password. This way, even if one account is compromised, others remain secure.
  3. Use a Password Manager: Can’t remember all your passwords? A password manager is your best friend. It’s like having a legal assistant who organizes all your files for you. It safely stores your passwords, generates strong ones, and ensures you don’t have to memorize them all.

Our Recommendation: KeePass

Here at our office, we use KeePass. It allows you to create, save, and search for passwords easily. KeePass can help you maintain that strong defense system by managing your passwords efficiently.

Remember, protecting your accounts starts with building a robust defense. Make your password fortress unbreakable!

Stay safe and secure online, and join us next week for more cybersecurity insights!

Defend Your Inbox: Recognizing and Preventing Phishing Scams This Cybersecurity Awareness Month

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As October unfolds, it’s time to focus on a crucial aspect of our digital lives: cybersecurity. October is Cybersecurity Awareness Month, a perfect reminder to fortify our defenses against cyber threats. Whether you’re working in the office or remotely, the security of your personal and your firm’s data is paramount.

Just as you would build a solid legal case, constructing strong cybersecurity defenses is essential. Throughout this month, we’ll delve into strategies to keep you ahead of cybercriminals. Our focus areas include recognizing phishing attempts, using robust passwords, keeping software updated, and enabling multi-factor authentication (MFA).

Phishing emails are a prevalent method used by cybercriminals to infiltrate your inbox. Alarmingly, almost half of social engineering attacks are phishing-related, and a staggering 98% occur through email. However, these emails often carry signs that make them detectable.

Here’s how to spot a phishing email:

  1. Too Good to Be True Offers: If an email offers something unbelievable, like winning a contest you never entered, be skeptical.
  2. Urgent or Threatening Language: Emails that use alarmist language might be phishing attempts.
  3. Suspicious Email Addresses: Verify if the sender’s email matches the company it claims to be from.
  4. Requests for Personal Information: Never send personal information or click on unfamiliar links.

When in doubt, report suspicious emails to your IT team immediately. Your swift action could prevent a severe data breach, much like stopping an argument before it escalates.

Stay vigilant, and remember, your proactive defense is crucial to your firm’s security. Let’s work together to make this Cybersecurity Awareness Month a success!

Why Legal Malpractice Insurance Matters During Life Insurance Awareness Month

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Hey there! Since September is Life Insurance Awareness Month, it’s a great time to talk about
another essential type of coverage that often flies under the radar—legal malpractice insurance. While most of us are familiar with the importance of life insurance, especially for providing financial protection to our loved ones, legal malpractice insurance offers a different kind of security that is equally important for attorneys and their families

What is Legal Malpractice Insurance?

Legal malpractice insurance is designed to protect attorneys from claims made against them for
professional errors or negligence during their careers. While this coverage is crucial while an attorney is practicing, many overlook the lasting protection it can offer after an attorney passes away. This is where the Death Extended Reporting Period (ERP) endorsement comes into play.

What is a Death Extended Reporting Period (ERP)?

The Death ERP doesn’t offer a lump sum payout to your heirs like life insurance would. However, it
provides significant protection in the event of the insured attorney’s death. Essentially, the Death ERP covers any legal malpractice claims that arise after the attorney has passed away but stem from actions they took while alive. This coverage ensures that the deceased attorney’s estate and heirs aren’t burdened with defending against legal claims, which could otherwise cause financial and emotional strain.

How Does the Death ERP Work?

In the unfortunate event of an attorney’s death, the Death ERP automatically activates, providing
coverage for any claims that are made after the passing but are related to the attorney’s work during their lifetime. Although it doesn’t offer a direct financial benefit like life insurance, it prevents costly legal battles that could impact the estate or heirs of the deceased. Imagine the peace of mind in knowing your family is protected from future legal entanglements related to your practice, even after you’re gone.

Check Your Policy for Specifics

While most carriers include some form of Death ERP in their legal malpractice policies, the terms can vary. Some policies provide coverage only until the estate is closed, while others offer indefinite protection. It’s crucial to double-check your policy details so you know exactly what kind of protection you have in place. If you’re unsure, now is the perfect time to verify your coverage.

Why This Matters During Life Insurance Awareness Month

As you’re reviewing your life insurance needs this September, it’s a good idea to take a moment and consider the other types of protection you have in place—like legal malpractice insurance. Ensuring you have the right coverage for both life insurance and malpractice claims is a comprehensive way to protect your family, your estate, and your legacy.


Hope this helps, and remember, I’m Don I, your insurance guy!

Have any questions about the topic discussed in this video? Contact us today! 412.563.2106

Why September is the Perfect Time to Review Your Life Insurance Needs

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Hey there, it’s Don, your insurance guy, taking a break from my desk and soaking in this cool breeze. As I was sitting here, I realized something—can you believe it’s already mid-August? September is just around the corner, bringing with it all the things we love about fall. We’re talking cooler weather, the excitement of football season, and yes, those amazing rib cook-offs. But while September brings us these enjoyable moments, it also brings something more serious that we should all take a moment to consider—Life Insurance Awareness Month.

I know, I know, death isn’t exactly the most fun topic to think about or discuss. But the reality is, it’s something that touches all of us at some point. Life Insurance Awareness Month is here to remind us to take a closer look at our life insurance needs.

So, why is this important? Well, whether you’re 25 or 75, there’s likely a reason you need life insurance. Have you recently bought a new home? Do you have young children that you want to make sure are financially protected if something happens to you? Are you and your spouse approaching retirement? Life insurance can play a crucial role in all these scenarios.

I encourage you to take just a few minutes to evaluate your current life insurance situation. Ask yourself, “Do I have life insurance? If I do, do I need more coverage, or maybe less?” It’s essential to assess your needs regularly, as life changes can significantly impact the amount of coverage that’s right for you.

If you’re unsure about what you need or if your current policy still meets your goals, don’t hesitate to reach out. I’m always here to help, along with my team at the agency. Mark and I would be more than happy to sit down with you, review your options, and make sure you’re covered the way you need to be.

Thanks for taking a moment to consider this important topic. Remember, I’m Don, your insurance guy, and I’m here whenever you need to talk about your life insurance needs. Stay safe and enjoy the upcoming fall season!