2009 Documents...personal injury and property damage cases. The largest proportion of all claims closed in 2009 and in the The largest proportion of all claims closed in 2009 and in
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2009
Legal Malpractice Insurance Report
Statistics SectionJuly 2010
Missouri
Jeremiah W. (Jay) NixonGovernor
John M. HuffDirector
Department of Insurance, Financial Institutions & Professional Registration
DIFPDIFP
MISSOURI
LEGAL
MALPRACTICE
INSURANCE
REPORT
2009
Department of Insurance, Financial Institutions & Professional RegistrationStatistics Section
July 2010
Other Publications
Available from the Missouri Department of Insurance,
Financial Institutions & Professional Registration
The Department of Insurance, Financial Institutions & Professional Registration publishes the following
reports. These reports are available by sending a written request along with $35 to:
Department of Insurance, Financial Institutions & Professional Registration
P.O. Box 690
Jefferson City, MO 65102-0690
1. Missouri Complaint Index Report
summary information: http://www.insurance.mo.gov/reports/complaint/index.htm
2. Missouri Department of Insurance Annual Report
summary information: http://www.insurance.mo.gov/aboutMDI/annual_report.htm
3. Missouri Life, Accident & Health Supplement Data
summary information: http://www.insurance.mo.gov/reports/suppdata.htm
4. Missouri Market Share Report
summary information: http://www.insurance.mo.gov/reports/mktshr.htm
5. Missouri Medical Malpractice (Closed Claim) Report
summary information: http://www.insurance.mo.gov/reports/medmal/index.htm
6. Missouri Product Liability (Closed Claim) Report
summary information: http://www.insurance.mo.gov/reports/prodliab/index.htm
7. Missouri Property & Casualty Supplement Report
summary information: http://www.insurance.mo.gov/reports/suppdata.htm
8. Missouri Real Estate Malpractice (Closed Claim) Report
summary information: http://www.insurance.mo.gov/reports/remal/index.htm
9. Mortgage Guaranty Report
summary information: http://www.insurance.mo.gov/reports/mortguar/index.htm
10. Private Passenger Automobile Report
summary information http://www.insurance.mo.gov/reports/ppauto.pdf
11. Missouri Health Maintenance Organization Report
summary information: http://www.insurance.mo.gov/reports/hmo/index.htm
Databases: For more information: http://www.insurance.mo.gov/reports/index.htm#aggdata
1. Medicare Supplement Experience Data
2. Commercial Liability Experience Data
3. Missouri Zip Code Insurance Data for:
Homeowners/Dwelling Fire,
Farmowners (dwelling only),
Mobile Home,
Earthquake, and
Private Passenger Automobile
Some data is available to the public for a fee by special request only. For additional information, contact
the Statistics Section at (573) 751-4126.
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 2000 to 2009.
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 2009, the loss ratio for legal malpractice insurance in Missouri was 36 percent. For the 10-year
period of claims closed1, 643 (27 percent) were closed with payment. Claims closed in 2009 totaled 240, a
3.9 percent increase from the previous year. The average payment was $92,691.
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 2009, the
average loss adjustment expense for all claims closed with payment was $25,041 compared to $75,404 in
2008.
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 2009 (68 of 240) was initiated by plaintiffs in
personal injury and property damage cases. The largest proportion of all claims closed in 2009 and in the
past 10 years involved alleged errors or omissions that occurred during the commencement of the legal action
or proceeding. Of all claims paid during 2009, 34 percent were settled before filing suit or demanding a
hearing on the alleged malpractice.
Ninety-seven percent of losses in 2009 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 2009 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 2009. Of these, the
Bar Plan Mutual Insurance Company was by far the largest, with over 72 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 2009 Summary ..........................................9
Trends of the Top 10 Areas of Law ....................................................13
Major Activity: 10-Year and 2009 Summary ....................................25
Trends of the Top 10 Major Activity ................................................29
Alleged Errors or Omissions: 10-Year and 2009 Summary ..............41
Trends of the Top 10 Alleged Errors or Omissions .............................45
Claim Disposition: 10-Year and 2009 Summary ................................57
Trends of the Top 9 Claim Dispositions ..............................................61
Years Admitted to Practice: 10-Year and 2009 Summary ..................73
Trends of Years Admitted to Practice for 2009 ...................................77
Insured/Claimant Relationship: 10-Year and 2009 Summary ............81
Trends of Insured/Claimant Relationship for 2009 ..............................85
III PREMIUM AND LOSS DATA ..........................................................89
TEN YEAR
SUMMARY
(2000-2009)
LE
GA
L M
AL
PR
AC
TIC
E E
XP
ER
IEN
CE
TE
N Y
EA
R S
UM
MA
RY
(2000
– 2
00
9)
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
A
VE
RA
GE
IN
DE
MN
ITY
P
AID
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
2,3
84
100.0
%
$59,6
00,0
55
$25,0
00
$34,8
40,3
23
$14,6
14
Clo
sed
wit
h P
aym
en
t
643
27.0
%
$59,6
00,0
55
$92,6
91
$16,1
01,6
27
$25,0
41
Clo
sed
wit
ho
ut
Pa
ym
en
t
1,7
41
73.0
%
$0
$0
$18,7
38,6
96
, $10,7
63
Cla
ims S
ett
led
Th
rou
gh
Co
urt
Pro
ceed
ing
s
212
8.9
%
$10,7
10,8
46
$50,5
23
$6,4
35,2
32
$30,3
55
Co
urt
Pro
ceed
ing
s R
esu
ltin
g in
Pa
ym
en
t 33
1.4
%
$10,7
10,8
46
$324
,57
1
$-1
,49
4,0
29
$-4
5,2
74
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
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
AL
L C
LO
SE
D C
LA
IMS
$26,6
02
$11,4
97
$16,2
94
$25,5
68
$13,7
10
$48,9
86
$27,4
51
$22,4
72
$19,3
77
$25,0
00
CL
OS
ED
WIT
H P
AY
ME
NT
$102,6
66
$38,3
22
$54,1
45
$107,7
20
$49,3
16
$183,3
26
$94,5
53
$92,9
88
$84,4
53
$92,6
91
$0
$50,0
00
$100,0
00
$150,0
00
$200,0
00
$250,0
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
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
AL
L C
LA
IMS
$13,7
76
$9,3
06
$8,3
32
$9,7
50
$25,6
20
$19,4
54
$21,5
77
$14,3
15
$17,3
00
$14,6
14
CL
OS
ED
WIT
H P
AY
ME
NT
$53,1
68
$31,0
20
$27,6
87
$41,0
79
$92,1
60
$72,8
03
$74,3
21
$59,2
36
$75,4
04
$25,0
41
CL
OS
ED
WIT
HO
UT
P
AY
ME
NT
$18,5
94
$13,2
94
$11,9
18
$12,7
85
$35,4
84
$26,5
47
$30,4
04
$18,8
77
$22,4
52
$10,7
63
$0
$20,0
00
$40,0
00
$60,0
00
$80,0
00
$10
0,0
00
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
0-2
00
9
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
CL
OS
ED
WIT
H P
AY
ME
NT
64
63
65
61
72
66
72
58
53
67
CL
OS
ED
WIT
HO
UT
PA
YM
EN
T183
147
151
196
187
181
176
182
178
173
TO
TA
L247
210
216
257
259
247
248
240
231
240
0
50
100
150
200
250
300
350
Number of Claims
6
TEN YEAR SUMMARY
&
2009 SUMMARY
BY
AREA OF LAW
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
2000
– 2
00
9
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
643
248
38.5
7%
$72,2
18
$17,9
09,9
89
30.0
5%
$6,8
11
FA
MIL
Y L
AW
282
56
8.7
1%
$46,1
98
$2,5
87,0
86
4.3
4%
$7,6
02
CO
LLE
CT
ION
& B
AN
KR
UP
TC
Y
281
59
9.1
8%
$68,1
64
$4,0
21,6
52
6.7
5%
$13,4
90
ES
TA
TE
, T
RU
ST
& P
RO
BA
TE
272
71
11.0
4%
$80,9
74
$5,7
49,1
41
9.6
5%
$14,1
71
RE
AL E
ST
AT
E
184
42
6.5
3%
$187
,31
4
$7,8
67,1
84
13.2
0%
$13,2
19
BU
SIN
ES
S T
RA
NS
AC
TIO
N/C
OM
ME
RC
IAL
LA
W
133
39
6.0
7%
$182
,83
5
$7,1
30,5
81
11.9
6%
$34,1
93
WO
RK
ER
S C
OM
PE
NS
AT
ION
102
38
5.9
1%
$36,5
74
$1,3
89,8
15
2.3
3%
$11,8
99
BI/P
D -
DE
FE
ND
AN
T
98
17
2.6
4%
$357
,03
5
$6,0
69,6
00
10.1
8%
$48,9
12
CR
IMIN
AL
91
12
1.8
7%
$42,5
59
$510
,71
3
0.8
6%
$8,6
83
CO
RP
OR
AT
E &
BU
SIN
ES
S O
RG
AN
IZA
TIO
N
72
14
2.1
8%
$85,7
60
$1,2
00,6
39
2.0
1%
$22,3
84
CIV
IL R
IGH
TS
& C
OM
MIS
SIO
N
50
9
1.4
0%
$35,3
66
$318
,29
4
0.5
3%
$11,4
72
LA
BO
R L
AW
39
11
1.7
1%
$109
,27
6
$1,2
02,0
35
2.0
2%
$19,9
32
CO
NS
UM
ER
CLA
IMS
33
5
0.7
8%
$53,7
30
$268
,64
9
0.4
5%
$20,3
55
LO
CA
L G
OV
ER
NM
EN
T
21
1
0.1
6%
$27,5
00
$27,5
00
0.0
5%
$10,9
65
TA
XA
TIO
N
15
3
0.4
7%
$104
,16
7
$312
,50
0
0.5
2%
$24,8
62
SE
CU
RIT
IES
(S
.E.C
.)
13
2
0.3
1%
$202
,69
5
$405
,38
9
0.6
8%
$18,8
39
CO
NS
TR
UC
TIO
N (
BU
ILD
ING
CO
NT
RA
CT
S)
12
5
0.7
8%
$214
,42
3
$1,0
72,1
13
1.8
0%
$58,3
62
PA
TE
NT
S, T
RA
DE
MA
RK
S, C
OP
YR
IGH
TS
12
4
0.6
2%
$291
,25
0
$1,1
65,0
00
1.9
5%
$109
,63
2
IMM
IGR
AT
ION
& N
AT
UR
ALIZ
AT
ION
11
4
0.6
2%
$94,0
08
$376
,03
0
0.6
3%
$23,4
03
GO
VE
RN
ME
NT
CO
NT
RA
CT
S &
CL
AIM
S
9
0
0.0
0%
N
/A
$0
0.0
0%
$448
AN
TIT
RU
ST
5
1
0.1
6%
$3,9
45
$3,9
45
0.0
1%
$25,1
18
AD
MIR
ALT
Y
3
2
0.3
1%
$6,1
00
$12,2
00
0.0
2%
$1,7
57
EN
VIR
ON
ME
NT
3
0
0.0
0%
N
/A
$0
0.0
0%
$1,4
46
TO
TA
L
2,3
84
643
100.0
0%
$92,6
91
$59,6
00,0
55
100.0
0%
$14,6
14
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
00
9
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
68
25
37.3
1%
$146
,69
7
$3,6
67,4
13
46.0
9%
-$
62,7
63
RE
AL E
ST
AT
E
30
7
10.4
5%
$21,6
22
$151
,35
4
1.9
0%
$6,1
48
ES
TA
TE
, T
RU
ST
& P
RO
BA
TE
26
8
11.9
4%
$123
,89
0
$991
,11
8
12.4
6%
$23,4
70
CO
LLE
CT
ION
& B
AN
KR
UP
TC
Y
22
4
5.9
7%
$36,2
54
$145
,01
6
1.8
2%
$9,1
37
FA
MIL
Y L
AW
20
1
1.4
9%
$18,5
00
$18,5
00
0.2
3%
$2,4
38
WO
RK
ER
S C
OM
PE
NS
AT
ION
16
7
10.4
5%
$19,7
69
$138
,38
0
1.7
4%
$5,2
81
BU
SIN
ES
S T
RA
NS
AC
TIO
N/C
OM
ME
RC
IAL L
AW
10
3
4.4
8%
$437
,34
4
$1,3
12,0
32
16.4
9%
$96,4
27
BI/P
D -
DE
FE
ND
AN
T
8
1
1.4
9%
$40,0
00
$40,0
00
0.5
0%
$11,6
00
CR
IMIN
AL
7
2
2.9
9%
$3,0
00
$6,0
00
0.0
8%
$4,8
50
CO
NS
TR
UC
TIO
N (
BU
ILD
ING
CO
NT
RA
CT
S)
5
3
4.4
8%
$349
,63
5
$1,0
48,9
05
13.1
8%
$137
,62
2
CO
RP
OR
AT
E &
BU
SIN
ES
S O
RG
AN
IZA
TIO
N
5
1
1.4
9%
$45,0
00
$45,0
00
0.5
7%
$4,8
97
CIV
IL R
IGH
TS
& C
OM
MIS
SIO
N
4
2
2.9
9%
$40,6
25
$81,2
50
1.0
2%
$104
LO
CA
L G
OV
ER
NM
EN
T
4
0
0.0
0%
N
/A
$0
0.0
0%
$6,6
36
CO
NS
UM
ER
CLA
IMS
3
0
0.0
0%
N
/A
$0
0.0
0%
$0
LA
BO
R L
AW
3
1
1.4
9%
$225
,00
0
$225
,00
0
2.8
3%
$41,7
21
IMM
IGR
AT
ION
& N
AT
UR
ALIZ
AT
ION
2
0
0.0
0%
N
/A
$0
0.0
0%
$285
PA
TE
NT
S, T
RA
DE
MA
RK
S, C
OP
YR
IGH
TS
2
1
1.4
9%
$75,0
00
$75,0
00
0.9
4%
$1,2
70
SE
CU
RIT
IES
(S
.E.C
.)
2
0
0.0
0%
N
/A
$0
0.0
0%
$0
TA
XA
TIO
N
2
1
1.4
9%
$12,5
00
$12,5
00
0.1
6%
$4,9
51
GO
VE
RN
ME
NT
CO
NT
RA
CT
S &
CL
AIM
S
1
0
0.0
0%
N
/A
$0
0.0
0%
$0
TO
TA
L
240
67
100.0
0%
$118
,76
8
$7,9
57,4
68
100.0
0%
-$
4,8
76
10
TRENDS
OF THE TOP TEN
AREAS OF LAW
OF 2009
PERSONAL INJURY/PROPERTY DAMAGE - PLAINTIFF
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $73,894 $32,001 $86,660 $85,368 $29,817 $44,976 $104,962 $62,199 $78,484 $146,697
AVG LOSS EXPENSE $8,166 $8,065 $7,354 $7,791 $14,370 $5,615 $17,915 $43,834 $21,116 -$62,763
-$95,000
-$70,000
-$45,000
-$20,000
$5,000
$30,000
$55,000
$80,000
$105,000
$130,000
$155,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 69 57 56 73 73 67 54 70 56 68
CLOSED WITH PAYMENT 26 28 22 29 32 21 17 25 23 25
CLOSED WITHOUT PAYMENT 43 29 34 44 41 46 37 45 33 43
0
20
40
60
80
100
Nu
mb
er
of
Cla
ims
13
REAL ESTATE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $32,075 $20,633 $17,500 $795,747 $102,500 $890,799 $154,010 $66,339 $67,113 $21,622
AVG LOSS EXPENSE $24,823 $3,928 $3,148 $710 $10,989 $74,124 $22,184 $7,215 $5,916 $6,148
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 15 14 17 19 15 12 19 18 25 30
CLOSED WITH PAYMENT 4 6 4 3 2 4 5 2 5 7
CLOSED WITHOUT PAYMENT 11 8 13 16 13 8 14 16 20 23
0
10
20
30
40
Nu
mb
er
of
Cla
ims
14
ESTATE, TRUST & PROBATE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $154,284 $77,603 $38,876 $87,951 $140,398 $24,005 $33,465 $139,109 $34,437 $123,890
AVG LOSS EXPENSE $5,556 $9,592 $11,024 $21,419 $20,508 $8,173 $25,851 $13,988 $5,903 $23,470
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 28 31 36 23 25 34 28 18 23 26
CLOSED WITH PAYMENT 7 6 11 5 8 8 9 4 5 8
CLOSED WITHOUT PAYMENT 21 25 25 18 17 26 19 14 18 18
0
10
20
30
40
50
Nu
mb
er
of
Cla
ims
15
COLLECTION AND BANKRUPTCY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $451,541 $16,282 $18,414 $20,604 $26,179 $34,017 $18,083 $17,741 $141,000 $36,254
AVG LOSS EXPENSE $7,711 $2,361 $5,276 $2,835 $14,327 $29,085 $8,517 $9,277 $43,813 $9,137
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 29 19 22 29 27 32 39 36 26 22
CLOSED WITH PAYMENT 4 5 8 5 8 6 6 5 8 4
CLOSED WITHOUT PAYMENT 25 14 14 24 19 26 33 31 18 18
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
16
FAMILY LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $19,508 $36,667 $20,500 $33,423 $28,020 $37,224 $93,887 $24,647 $78,783 $18,500
AVG LOSS EXPENSE $2,111 $7,288 $4,907 $4,121 $5,912 $9,168 $20,745 $7,226 $6,305 $2,438
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
$100,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 28 26 28 31 26 22 39 28 34 20
CLOSED WITH PAYMENT 8 6 7 1 3 6 13 7 4 1
CLOSED WITHOUT PAYMENT 20 20 21 30 23 16 26 21 30 19
0
5
10
15
20
25
30
35
40
45
Nu
mb
er
of
Cla
ims
17
WORKERS' COMPENSATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $4,757 $17,182 $11,745 $60,403 $20,000 $80,875 $28,540 $45,535 $0 $19,769
AVG LOSS EXPENSE $102 $6,607 $1,597 $12,225 $4,843 $5,526 $50,114 $38,530 $1,297 $5,281
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 6 14 6 14 11 14 12 3 6 16
CLOSED WITH PAYMENT 2 4 3 7 3 5 4 3 0 7
CLOSED WITHOUT PAYMENT 4 10 3 7 8 9 8 0 6 9
0
5
10
15
20
Nu
mb
er
of
Cla
ims
18
BUSINESS TRANSACTIONS/COMMERCIAL LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $194,362 $145,582 $84,875 $96,333 $19,710 $232,500 $192,800 $732,779 $87,000 $437,344
AVG LOSS EXPENSE $64,201 $42,012 $13,823 $9,071 $18,681 $24,819 $85,231 $18,707 $36,003 $96,427
$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
$700,000
$750,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 12 7 19 24 19 15 9 6 12 10
CLOSED WITH PAYMENT 4 3 6 3 5 4 5 2 4 3
CLOSED WITHOUT PAYMENT 8 4 13 21 14 11 4 4 8 7
0
2
4
6
8
10
12
14
16
18
20
22
24
26
Nu
mb
er
of
Cla
ims
19
PERSONAL INJURY/PROPERTY DAMAGE - DEFENDANT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $37,500 $0 $0 $81,250 $61,833 $1,136,425 $260,500 $18,900 $0 $40,000
AVG LOSS EXPENSE $16,783 $1,686 $0 $34,442 $119,225 $13,774 $44,063 $6,677 $13,339 $11,600
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 9 5 3 11 29 9 10 7 7 8
CLOSED WITH PAYMENT 2 0 0 2 3 4 4 1 0 1
CLOSED WITHOUT PAYMENT 7 5 3 9 26 5 6 6 7 7
0
5
10
15
20
25
30
35
Nu
mb
er
of
Cla
ims
20
CRIMINAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $11,250 $22,750 $100,000 $28,000 $29,000 $53,750 $0 $154,463 $0 $3,000
AVG LOSS EXPENSE $606 $13,236 $3,470 $6,741 $16,372 $9,652 $552 $11,056 $6,394 $4,850
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 5 10 8 10 11 14 6 17 3 7
CLOSED WITH PAYMENT 1 2 1 1 2 2 0 1 0 2
CLOSED WITHOUT PAYMENT 4 8 7 9 9 12 6 16 3 5
0
2
4
6
8
10
12
14
16
18
20
Nu
mb
er
of
Cla
ims
21
CONSTRUCTION (BUILDING CONTRACTS)
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $11,604 $0 $0 $349,635
AVG LOSS EXPENSE $0 $0 $9,717 $0 $0 $0 $628 $0 $0 $137,622
$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
$350,000
$375,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 1 0 1 0 0 0 4 0 1 5
CLOSED WITH PAYMENT 0 0 0 0 0 0 2 0 0 3
CLOSED WITHOUT PAYMENT 1 0 1 0 0 0 2 0 1 2
0
1
2
3
4
5
6
7
Nu
mb
er
of
Cla
ims
22
TEN YEAR SUMMARY
&
2009 SUMMARY
BY
MAJOR ACTIVITY
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
2000
-2009
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
655
234
36.3
9%
$87,3
52
$20,4
40,4
03
34.3
0%
$3,8
30
OT
HE
R
326
67
10.4
2%
$65,5
58
$4,3
92,3
63
7.3
7%
$14,3
05
PR
EP
AR
AT
ION
, T
RA
NS
MIT
TA
L O
R F
ILIN
G
266
78
12.1
3%
$75,1
27
$5,8
59,9
17
9.8
3%
$17,7
21
SE
TT
LE
ME
NT
AN
D N
EG
OT
IAT
ION
226
52
8.0
9%
$73,7
40
$3,8
34,5
05
6.4
3%
$16,4
42
PR
E-T
RIA
L,
PR
E-H
EA
RIN
G
221
59
9.1
8%
$58,3
25
$3,4
41,1
99
5.7
7%
$11,8
99
CO
NS
ULT
AT
ION
OR
AD
VIC
E
190
44
6.8
4%
$293
,38
1
$12,9
08,7
61
21.6
6%
$45,4
81
INV
ES
TIG
AT
ION
, O
TH
ER
TH
AN
LIT
IGA
TIO
N
138
41
6.3
8%
$52,2
71
$2,1
43,0
94
3.6
0%
$10,7
98
TR
IAL O
R H
EA
RIN
G
129
24
3.7
3%
$181
,52
1
$4,3
56,4
92
7.3
1%
$28,5
32
PO
ST
TR
IAL O
R H
EA
RIN
G
77
11
1.7
1%
$14,7
66
$162
,43
0
0.2
7%
$4,6
79
EX
PA
RT
E P
RO
CE
ED
ING
S
64
19
2.9
5%
$34,1
92
$649
,65
1
1.0
9%
$14,1
26
AP
PE
AL A
CT
IVIT
IES
57
8
1.2
4%
$57,7
39
$461
,90
8
0.7
8%
$14,9
06
TA
X R
EP
OR
TIN
G O
R P
AY
ME
NT
17
3
0.4
7%
$119
,68
5
$359
,05
4
0.6
0%
$26,0
83
RE
FE
RR
AL T
O A
NO
TH
ER
PR
OF
ES
SIO
NA
L
10
0
0.0
0%
N
/A
$0
0.0
0%
$11,5
00
OT
HE
R W
RIT
TE
N O
PIN
ION
4
1
0.1
6%
$574
,85
3
$574
,85
3
0.9
6%
$28,1
54
TIT
LE
OP
INIO
N
4
2
0.3
1%
$7,7
13
$15,4
25
0.0
3%
$3,0
02
TO
TA
L
2,3
84
643
100.0
0%
$92,6
91
$59,6
00,0
55
100.0
0%
$14,6
14
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
00
9
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
68
26
38.8
1%
$104
,14
9
$2,7
07,8
75
34.0
3%
-$
66,3
92
OT
HE
R
63
9
13.4
3%
$25,9
23
$233
,30
8
2.9
3%
$2,0
59
PR
EP
AR
AT
ION
, T
RA
NS
MIT
TA
L O
R F
ILIN
G
25
7
10.4
5%
$69,6
86
$487
,80
3
6.1
3%
$19,6
49
PR
E-T
RIA
L,
PR
E-H
EA
RIN
G
21
4
5.9
7%
$69,5
00
$278
,00
0
3.4
9%
$15,5
76
SE
TT
LE
ME
NT
AN
D N
EG
OT
IAT
ION
18
7
10.4
5%
$109
,14
3
$763
,99
8
9.6
0%
$23,7
53
CO
NS
ULT
AT
ION
OR
AD
VIC
E
13
5
7.4
6%
$263
,30
1
$1,3
16,5
06
16.5
4%
$49,2
95
TR
IAL O
R H
EA
RIN
G
9
4
5.9
7%
$490
,60
6
$1,9
62,4
24
24.6
6%
$92,1
38
AP
PE
AL A
CT
IVIT
IES
7
0
0.0
0%
N
/A
$0
0.0
0%
$45,4
95
INV
ES
TIG
AT
ION
, O
TH
ER
TH
AN
LIT
IGA
TIO
N
7
3
4.4
8%
$32,8
33
$98,5
00
1.2
4%
$11,9
59
PO
ST
TR
IAL O
R H
EA
RIN
G
4
0
0.0
0%
N
/A
$0
0.0
0%
$10,4
45
TA
X R
EP
OR
TIN
G O
R P
AY
ME
NT
3
2
2.9
9%
$54,5
27
$109
,05
4
1.3
7%
$18,2
70
OT
HE
R W
RIT
TE
N O
PIN
ION
2
0
0.0
0%
N
/A
$0
0.0
0%
$0
TO
TA
L
240
67
100.0
0%
$118
,76
8
$7,9
57,4
68
100.0
0%
-$
4,8
76
26
TRENDS
OF THE TOP TEN
MAJOR ACTIVITY
OF 2009
COMMENCEMENT OF ACTION OR PROCEEDING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $145,085 $31,884 $23,581 $72,772 $39,807 $255,129 $73,553 $55,652 $60,423 $104,149
AVG LOSS EXPENSE $13,122 $2,938 $3,619 $9,012 $12,736 $7,617 $9,426 $37,347 $10,223 -$66,392
-$100,000
-$50,000
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 66 50 54 72 58 83 67 65 72 68
CLOSED WITH PAYMENT 23 22 25 27 23 24 24 17 23 26
CLOSED WITHOUT PAYMENT 43 28 29 45 35 59 43 48 49 42
0
10
20
30
40
50
60
70
80
90
100
Nu
mb
er
of
Cla
ims
29
OTHER
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $32,295 $40,188 $44,375 $83,294 $73,473 $224,500 $116,500 $60,278 $22,500 $25,923
AVG LOSS EXPENSE $4,821 $12,616 $14,531 $12,063 $9,938 $127,255 $31,006 $38,356 $8,334 $2,059
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 66 45 35 29 24 10 18 14 22 63
CLOSED WITH PAYMENT 12 8 6 8 9 5 3 6 1 9
CLOSED WITHOUT PAYMENT 54 37 29 21 15 5 15 8 21 54
0
5
10
15
20
25
30
35
40
45
50
55
60
65
70
Nu
mb
er
of
Cla
ims
30
PREPARATION, TRANSMITTAL OR FILING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $161,918 $99,643 $45,023 $53,457 $25,706 $40,794 $83,969 $91,328 $47,822 $69,686
AVG LOSS EXPENSE $28,345 $8,300 $10,962 $2,641 $19,666 $39,749 $34,661 $9,251 $8,583 $19,649
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 21 21 29 32 29 28 25 30 26 25
CLOSED WITH PAYMENT 10 7 8 6 8 6 8 9 9 7
CLOSED WITHOUT PAYMENT 11 14 21 26 21 22 17 21 17 18
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
31
PRE-TRIAL, PRE-HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $40,412 $22,093 $40,125 $185,583 $17,346 $133,750 $71,800 $24,926 $91,000 $69,500
AVG LOSS EXPENSE $13,922 $5,238 $6,716 $28,701 $10,908 $11,878 $10,377 $8,978 $10,534 $15,576
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 21 22 16 17 22 27 19 31 25 21
CLOSED WITH PAYMENT 5 10 4 6 11 4 5 8 2 4
CLOSED WITHOUT PAYMENT 16 12 12 11 11 23 14 23 23 17
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
32
SETTLEMENT AND NEGOTIATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $175,000 $55,675 $46,050 $46,441 $7,575 $11,225 $90,805 $108,412 $145,667 $109,143
AVG LOSS EXPENSE $8,765 $14,725 $5,994 $8,254 $10,051 $6,762 $19,782 $28,481 $47,888 $23,753
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 16 23 27 31 27 19 24 23 18 18
CLOSED WITH PAYMENT 1 5 6 6 3 7 6 5 6 7
CLOSED WITHOUT PAYMENT 15 18 21 25 24 12 18 18 12 11
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
33
CONSULTATION OR ADVICE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $86,750 $21,315 $127,000 $708,333 $367,580 $528,740 $113,182 $720,404 $324,691 $263,301
AVG LOSS EXPENSE $31,756 $27,021 $9,155 $8,271 $100,091 $49,377 $23,637 $14,511 $78,923 $49,295
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 13 11 15 20 39 20 23 20 16 13
CLOSED WITH PAYMENT 4 3 3 3 3 7 10 2 4 5
CLOSED WITHOUT PAYMENT 9 8 12 17 36 13 13 18 12 8
0
5
10
15
20
25
30
35
40
45
50
Nu
mb
er
of
Cla
ims
34
TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $24,856 $21,250 $453,854 $0 $26,875 $33,500 $241,719 $35,833 $150,000 $490,606
AVG LOSS EXPENSE $25,739 $1,841 $25,094 $36,441 $28,650 $4,586 $45,606 $13,843 $11,812 $92,138
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 9 11 14 14 15 14 21 13 9 9
CLOSED WITH PAYMENT 3 2 3 0 4 2 2 3 1 4
CLOSED WITHOUT PAYMENT 6 9 11 14 11 12 19 10 8 5
0
3
6
9
12
15
18
21
24
Nu
mb
er
of
Cla
ims
35
APPEAL ACTIVITIES
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $0 $0 $0 $0 $40,000 $20,000 $72,382 $40,000 $0 $0
AVG LOSS EXPENSE $1,664 $182 $491 $0 $5,064 $2,361 $30,072 $17,039 $0 $45,495
$0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
$35,000
$40,000
$45,000
$50,000
$55,000
$60,000
$65,000
$70,000
$75,000
$80,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 7 3 2 3 6 7 10 10 2 7
CLOSED WITH PAYMENT 0 0 0 0 1 1 5 1 0 0
CLOSED WITHOUT PAYMENT 7 3 2 3 5 6 5 9 2 7
0
1
2
3
4
5
6
7
8
9
10
11
12
Nu
mb
er
of
Cla
ims
36
INVESTIGATION, OTHER THAN LITIGATION
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $75,000 $1,585 $16,333 $65,567 $34,942 $17,089 $187,900 $33,456 $25,267 $32,833
AVG LOSS EXPENSE $15,773 $1,026 $2,638 $6,331 $3,721 $6,431 $25,549 $18,854 $8,334 $11,959
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
$180,000
$200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 7 3 7 19 21 26 21 14 13 7
CLOSED WITH PAYMENT 2 1 3 4 8 7 5 5 3 3
CLOSED WITHOUT PAYMENT 5 2 4 15 13 19 16 9 10 4
0
3
6
9
12
15
18
21
24
27
30
Nu
mb
er
of
Cla
ims
37
POST TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $6,655 $0 $11,582 $0 $0 $0 $40,025 $4,990 $9,778 $0
AVG LOSS EXPENSE $5,937 $0 $2,487 $778 $2,535 $0 $10,785 $901 $6,619 $10,445
$0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
$35,000
$40,000
$45,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 7 3 3 8 9 3 12 13 15 4
CLOSED WITH PAYMENT 2 0 3 0 0 0 2 1 3 0
CLOSED WITHOUT PAYMENT 5 3 0 8 9 3 10 12 12 4
0
3
6
9
12
15
18
Nu
mb
er
of
Cla
ims
38
TEN YEAR SUMMARY
&
2009 SUMMARY
BY
ALLEGED ERRORS OR OMISSIONS
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
2000
-2009
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
FA
IL T
O A
SC
ER
TA
IN D
EA
DLIN
E C
OR
RE
CT
LY
382
159
24.7
3%
$65,2
54
$10,3
75,4
23
17.4
1%
$1,8
29
OT
HE
R
275
47
7.3
1%
$69,1
30
$3,2
49,1
01
5.4
5%
$11,7
76
PR
OC
RA
ST
INA
TIO
N O
R L
AC
K O
F F
OLLO
W-U
P
229
61
9.4
9%
$123
,21
3
$7,5
15,9
83
12.6
1%
$13,0
38
PL
AN
NIN
G O
R S
TR
AT
EG
Y E
RR
OR
224
54
8.4
0%
$208
,82
7
$11,2
76,6
45
18.9
2%
$30,0
45
FA
IL T
O K
NO
W O
R P
RO
PE
RL
Y A
PP
LY
TH
E L
AW
169
46
7.1
5%
$202
,49
5
$9,3
14,7
78
15.6
3%
$21,5
66
INA
DE
QU
AT
E IN
VE
ST
IGA
TIO
N
120
25
3.8
9%
$75,7
62
$1,8
94,0
54
3.1
8%
$18,7
40
FA
ILU
RE
TO
RE
AC
T T
O C
AL
EN
DA
R
111
49
7.6
2%
$52,2
34
$2,5
59,4
43
4.2
9%
$5,3
46
FA
IL T
O F
OLLO
W C
LIE
NT
S IN
ST
RU
CT
ION
S
110
20
3.1
1%
$78,1
73
$1,5
63,4
61
2.6
2%
$16,1
24
MA
LIC
IOU
S P
RO
SE
CU
TIO
N O
R A
BU
SE
OF
PR
OC
ES
S
107
12
1.8
7%
$21,2
92
$255
,50
0
0.4
3%
$10,7
57
CO
NF
LIC
T O
F IN
TE
RE
ST
94
24
3.7
3%
$119
,08
3
$2,8
58,0
02
4.8
0%
$24,0
04
FA
IL T
O F
ILE
DO
CU
ME
NT
S W
ITH
NO
DE
AD
LIN
E
87
23
3.5
8%
$73,2
27
$1,6
84,2
25
2.8
3%
$16,9
31
FA
IL T
O O
BT
AIN
CLIE
NT
S C
ON
SE
NT
79
15
2.3
3%
$90,1
09
$1,3
51,6
34
2.2
7%
$52,0
58
FR
AU
D
77
13
2.0
2%
$47,7
40
$620
,61
9
1.0
4%
$18,2
29
FA
ILU
RE
TO
CA
LE
ND
AR
PR
OP
ER
LY
74
41
6.3
8%
$71,4
65
$2,9
30,0
69
4.9
2%
$11,6
01
CLE
RIC
AL E
RR
OR
70
25
3.8
9%
$22,4
78
$561
,94
5
0.9
4%
$2,4
80
VIO
LA
TIO
N O
F C
IVIL
RIG
HT
S
44
2
0.3
1%
$50,0
00
$100
,00
0
0.1
7%
$6,0
62
IMP
RO
PE
R W
ITH
DR
AW
AL F
RO
M R
EP
RE
SE
NT
AT
ION
32
8
1.2
4%
$37,3
39
$298
,71
0
0.5
0%
$6,8
26
ER
RO
R IN
MA
TH
EM
AT
ICA
L C
ALC
UL
AT
ION
28
7
1.0
9%
$55,7
10
$389
,96
8
0.6
5%
$6,6
59
LIB
EL O
R S
LA
ND
ER
24
1
0.1
6%
$21,3
00
$21,3
00
0.0
4%
$3,7
41
ER
RO
R IN
PU
BLIC
RE
CO
RD
SE
AR
CH
20
5
0.7
8%
$78,8
22
$394
,10
9
0.6
6%
$14,8
59
FA
IL T
O A
NT
ICIP
AT
E T
AX
CO
NS
EQ
UE
NC
ES
20
4
0.6
2%
$90,0
22
$360
,08
6
0.6
0%
$16,9
00
LO
ST
FIL
E, D
OC
UM
EN
T O
R E
VID
EN
CE
8
2
0.3
1%
$12,5
00
$25,0
00
0.0
4%
$12,6
80
TO
TA
L
2,3
84
643
100.0
0%
$92,6
91
$59,6
00,0
55
100.0
0%
$14,6
14
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
00
9
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
76
9
13.4
3%
$121
,70
4
$1,0
95,3
37
13.7
6%
$8,7
50
FA
IL T
O A
SC
ER
TA
IN D
EA
DLIN
E C
OR
RE
CT
LY
23
6
8.9
6%
$327
,29
8
$1,9
63,7
87
24.6
8%
-$
237,6
17
FA
IL T
O K
NO
W O
R P
RO
PE
RL
Y A
PP
LY
TH
E L
AW
18
7
10.4
5%
$47,8
03
$334
,62
1
4.2
1%
$43,6
53
PL
AN
NIN
G O
R S
TR
AT
EG
Y E
RR
OR
16
6
8.9
6%
$238
,65
1
$1,4
31,9
05
17.9
9%
$43,1
89
FA
ILU
RE
TO
CA
LE
ND
AR
PR
OP
ER
LY
13
9
13.4
3%
$34,0
37
$306
,33
3
3.8
5%
$31,9
96
FA
IL T
O F
ILE
DO
CU
ME
NT
S W
ITH
NO
DE
AD
LIN
E
11
6
8.9
6%
$28,4
42
$170
,64
9
2.1
4%
$7,5
14
FA
IL T
O F
OLLO
W C
LIE
NT
S IN
ST
RU
CT
ION
S
11
2
2.9
9%
$62,5
00
$125
,00
0
1.5
7%
$8,3
41
FA
ILU
RE
TO
RE
AC
T T
O C
AL
EN
DA
R
11
7
10.4
5%
$121
,90
3
$853
,32
4
10.7
2%
$33,4
59
FR
AU
D
11
1
1.4
9%
$12,5
00
$12,5
00
0.1
6%
$10,5
24
M
AL
ICIO
US
PR
OS
EC
UT
ION
OR
AB
US
E O
F
PR
OC
ES
S
9
3
4.4
8%
$43,6
67
$131
,00
0
1.6
5%
$26,9
57
PR
OC
RA
ST
INA
TIO
N O
R L
AC
K O
F F
OLLO
W-U
P
9
5
7.4
6%
$32,8
85
$164
,42
6
2.0
7%
$8,2
43
CLE
RIC
AL E
RR
OR
6
1
1.4
9%
$10,0
00
$10,0
00
0.1
3%
$1,6
67
INA
DE
QU
AT
E IN
VE
ST
IGA
TIO
N
5
1
1.4
9%
$77,5
00
$77,5
00
0.9
7%
$15,7
00
VIO
LA
TIO
N O
F C
IVIL
RIG
HT
S
5
1
1.4
9%
$75,0
00
$75,0
00
0.9
4%
$9,6
83
CO
NF
LIC
T O
F IN
TE
RE
ST
4
1
1.4
9%
$1,1
47,0
32
$1,1
47,0
32
14.4
1%
$135
,79
5
FA
IL T
O O
BT
AIN
CLIE
NT
S C
ON
SE
NT
4
0
0.0
0%
N
/A
$0
0.0
0%
$1,0
33
FA
IL T
O A
NT
ICIP
AT
E T
AX
CO
NS
EQ
UE
NC
ES
3
0
0.0
0%
N
/A
$0
0.0
0%
$4,4
99
ER
RO
R IN
PU
BLIC
RE
CO
RD
SE
AR
CH
2
1
1.4
9%
$35,0
00
$35,0
00
0.4
4%
$22,3
55
ER
RO
R IN
MA
TH
EM
AT
ICA
L C
ALC
UL
AT
ION
1
1
1.4
9%
$24,0
54
$24,0
54
0.3
0%
$0
LIB
EL O
R S
LA
ND
ER
1
0
0.0
0%
N
/A
$0
0.0
0%
$18,7
86
LO
ST
FIL
E, D
OC
UM
EN
T O
R E
VID
EN
CE
1
0
0.0
0%
N
/A
$0
0.0
0%
$1,0
80
TO
TA
L
240
67
100.0
0%
$118
,76
8
$7,9
57,4
68
100.0
0%
-$
4,8
76
42
TRENDS
OF THE TOP TEN
ERRORS OR OMISSIONS
OF 2009
OTHER
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $62,353 $23,000 $18,625 $0 $85,381 $47,854 $58,400 $39,313 $155,667 $121,704
AVG LOSS EXPENSE $14,586 $11,329 $5,208 $16,961 $12,239 $17,702 $10,361 $13,874 $14,626 $8,750
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 11 16 16 22 27 16 36 21 34 76
CLOSED WITH PAYMENT 3 5 4 0 6 4 5 8 3 9
CLOSED WITHOUT PAYMENT 8 11 12 22 21 12 31 13 31 67
0
10
20
30
40
50
60
70
80
Nu
mb
er
of
Cla
ims
45
FAIL TO ASCERTAIN DEADLINE CORRECTLY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $21,836 $21,128 $26,661 $119,584 $37,128 $62,955 $92,223 $65,013 $119,829 $327,298
AVG LOSS EXPENSE $284 $2,264 $1,398 $12,809 $21,749 $24,760 $23,215 $116,071 $13,691 -$237,617
-$250,000
-$200,000
-$150,000
-$100,000
-$50,000
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 52 45 46 52 50 43 26 19 26 23
CLOSED WITH PAYMENT 21 19 24 22 26 16 11 7 7 6
CLOSED WITHOUT PAYMENT 31 26 22 30 24 27 15 12 19 17
0
5
10
15
20
25
30
35
40
45
50
55
60
Nu
mb
er
of
Cla
ims
46
FAIL TO KNOW OR PROPERLY APPLY THE LAW
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $494,406 $166,250 $31,651 $1,047,500 $230,744 $16,556 $28,748 $509,110 $40,800 $47,803
AVG LOSS EXPENSE $39,385 $8,631 $25,155 $2,875 $14,655 $23,368 $13,371 $32,965 $16,695 $43,653
$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
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 13 10 14 20 22 16 22 18 16 18
CLOSED WITH PAYMENT 6 2 4 2 4 4 8 4 5 7
CLOSED WITHOUT PAYMENT 7 8 10 18 18 12 14 14 11 11
0
5
10
15
20
25
30
Nu
mb
er
of
Cla
ims
47
PLANNING OR STRATEGY ERROR
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $29,784 $47,938 $295,400 $61,341 $0 $761,191 $131,178 $58,410 $214,066 $238,651
AVG LOSS EXPENSE $15,796 $15,351 $24,676 $13,720 $13,525 $72,370 $30,227 $11,287 $51,080 $43,189
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 17 17 17 22 9 27 38 39 22 16
CLOSED WITH PAYMENT 2 5 5 5 0 6 11 8 6 6
CLOSED WITHOUT PAYMENT 15 12 12 17 9 21 27 31 16 10
0
5
10
15
20
25
30
35
40
45
Nu
mb
er
of
Cla
ims
48
FAILURE TO CALENDAR PROPERLY
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $267,909 $9,400 $17,245 $13,000 $52,346 $36,191 $99,200 $22,500 $64,833 $34,037
AVG LOSS EXPENSE $38,420 $0 $0 $0 $6,076 $0 $387 $533 $25,086 $31,996
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 4 3 2 6 5 14 10 7 10 13
CLOSED WITH PAYMENT 4 2 1 3 2 4 8 2 6 9
CLOSED WITHOUT PAYMENT 0 1 1 3 3 10 2 5 4 4
0
2
4
6
8
10
12
14
16
18
20
Nu
mb
er
of
Cla
ims
49
FAIL TO FILE DOCUMENTS WITH NO DEADLINE
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
FAIL TO FILE DOCUMENTS WITH NO DEADLINE
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $77,250 $0 $20,963 $26,767 $10,000 $160,731 $92,083 $153,839 $0 $28,442
AVG LOSS EXPENSE $16,811 $24,235 $12,634 $21,215 $1,430 $19,058 $61,581 $13,087 $424 $7,514
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 6 6 6 6 7 10 10 9 16 11
CLOSED WITH PAYMENT 2 0 2 3 1 4 3 2 0 6
CLOSED WITHOUT PAYMENT 4 6 4 3 6 6 7 7 16 5
0
2
4
6
8
10
12
14
16
18
20
Nu
mb
er
of
Cla
ims
50
FAIL TO FOLLOW CLIENTS INSTRUCTIONS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $14,500 $60,000 $3,800 $28,174 $36,667 $130,000 $113,747 $161,667 $79,400 $62,500
AVG LOSS EXPENSE $14,448 $28,038 $945 $16,748 $11,604 $8,017 $21,401 $36,757 $3,652 $8,341
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 12 9 7 13 7 12 14 14 11 11
CLOSED WITH PAYMENT 1 1 1 3 3 2 3 3 1 2
CLOSED WITHOUT PAYMENT 11 8 6 10 4 10 11 11 10 9
0
2
4
6
8
10
12
14
16
18
20
Nu
mb
er
of
Cla
ims
51
FAILURE TO REACT TO CALENDAR
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $117,500 $7,611 $34,000 $59,833 $20,750 $17,325 $59,003 $48,971 $32,641 $121,903
AVG LOSS EXPENSE $6,425 $47 $530 $4,175 $1,436 $1,468 $3,676 $30 $4,750 $33,459
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
$100,000
$110,000
$120,000
$130,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 6 5 4 10 6 18 11 26 14 11
CLOSED WITH PAYMENT 2 2 2 6 4 8 4 7 7 7
CLOSED WITHOUT PAYMENT 4 3 2 4 2 10 7 19 7 4
0
5
10
15
20
25
30
Nu
mb
er
of
Cla
ims
52
FRAUD
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $2,500 $94,710 $80,000 $150,000 $0 $7,500 $20,750 $4,990 $30,000 $12,500
AVG LOSS EXPENSE $28,203 $20,958 $28,903 $8,542 $7,115 $15,920 $54,229 $842 $21,098 $10,524
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 12 8 4 8 8 10 5 6 5 11
CLOSED WITH PAYMENT 1 3 1 1 0 2 2 1 1 1
CLOSED WITHOUT PAYMENT 11 5 3 7 8 8 3 5 4 10
0
2
4
6
8
10
12
14
16
Nu
mb
er
of
Cla
ims
53
MALICIOUS PROSECUTION OR ABUSE OF PROCESS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $35,000 $35,000 $9,750 $5,000 $5,000 $0 $0 $0 $10,000 $43,667
AVG LOSS EXPENSE $16,599 $6,769 $5,126 $5,481 $9,403 $2,045 $13,847 $14,345 $8,317 $26,957
$0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
$35,000
$40,000
$45,000
$50,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 23 11 10 10 10 15 6 5 8 9
CLOSED WITH PAYMENT 1 1 2 2 1 0 0 0 2 3
CLOSED WITHOUT PAYMENT 22 10 8 8 9 15 6 5 6 6
0
2
4
6
8
10
12
14
16
18
20
22
24
26
Nu
mb
er
of
Cla
ims
54
TEN YEAR SUMMARY
&
2009 SUMMARY
BY
CLAIM DISPOSITIONS
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
2000
-2009
CL
AIM
DIS
PO
SIT
ION
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
BE
FO
RE
FIL
ING
SU
IT O
R D
EM
AN
DIN
G H
EA
RIN
G
1,0
93
286
44.4
8%
$51,3
17
$14,6
76,5
54
24.6
3%
$1,2
25
BE
FO
RE
TR
IAL O
R H
EA
RIN
G
909
324
50.3
9%
$105
,59
5
$34,2
12,6
55
57.4
0%
$29,5
03
CLA
IM O
R S
UIT
AB
AN
DO
NE
D
162
0
0.0
0%
N
/A
$0
0.0
0%
$1,3
91
AF
TE
R A
PP
EA
L
83
10
1.5
6%
$308
,53
0
$3,0
85,2
98
5.1
8%
$77,9
60
AF
TE
R J
UD
GM
EN
T, B
EF
OR
E A
PP
EA
L
39
8
1.2
4%
$500
,38
2
$4,0
03,0
59
6.7
2%
-$
114,0
96
DU
RIN
G T
RIA
L O
R H
EA
RIN
G
37
5
0.7
8%
$164
,94
0
$824
,70
0
1.3
8%
$35,6
96
AF
TE
R T
RIA
L O
R H
EA
RIN
G, B
EF
OR
E J
UD
GM
EN
T
32
6
0.9
3%
$321
,71
4
$1,9
30,2
82
3.2
4%
$43,3
12
DU
RIN
G A
PP
EA
L
21
4
0.6
2%
$216
,87
7
$867
,50
7
1.4
6%
$81,3
11
DU
RIN
G R
EV
IEW
PA
NE
L
8
0
0.0
0%
N
/A
$0
0.0
0%
$2,9
11
TO
TA
L
2,3
84
643
100.0
0%
$92,6
91
$59,6
00,0
55
100.0
0%
$14,6
14
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
00
9
CL
AIM
DIS
PO
SIT
ION
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
BE
FO
RE
FIL
ING
SU
IT O
R D
EM
AN
DIN
G H
EA
RIN
G
108
23
34.3
3%
$34,6
40
$796
,71
6
10.0
1%
$1,5
84
BE
FO
RE
TR
IAL O
R H
EA
RIN
G
70
38
56.7
2%
$115
,81
7
$4,4
01,0
32
55.3
1%
$46,5
84
CLA
IM O
R S
UIT
AB
AN
DO
NE
D
37
0
0.0
0%
N
/A
$0
0.0
0%
$1,0
75
DU
RIN
G T
RIA
L O
R H
EA
RIN
G
6
1
1.4
9%
$149
,65
0
$149
,65
0
1.8
8%
$50,7
75
AF
TE
R T
RIA
L O
R H
EA
RIN
G, B
EF
OR
E J
UD
GM
EN
T
5
2
2.9
9%
$252
,50
0
$505
,00
0
6.3
5%
$49,7
11
DU
RIN
G R
EV
IEW
PA
NE
L
5
0
0.0
0%
N
/A
$0
0.0
0%
$4,0
00
AF
TE
R A
PP
EA
L
4
0
0.0
0%
N
/A
$0
0.0
0%
$7,6
41
AF
TE
R J
UD
GM
EN
T, B
EF
OR
E A
PP
EA
L
4
3
4.4
8%
$701
,69
0
$2,1
05,0
70
26.4
5%
-$
1,3
24,3
30
DU
RIN
G A
PP
EA
L
1
0
0.0
0%
N
/A
$0
0.0
0%
$51,5
92
TO
TA
L
240
67
100.0
0%
$118
,76
8
$7,9
57,4
68
100.0
0%
-$
4,8
76
58
TRENDS
OF THE TOP NINE
CLAIM DISPOSITIONS
OF 2009
BEFORE FILING SUIT OR DEMANDING HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $21,507 $18,454 $27,364 $43,849 $38,749 $186,209 $65,297 $47,794 $33,486 $34,640
AVG LOSS EXPENSE $343 $1,013 $463 $3,560 $1,062 $354 $1,357 $1,739 $1,058 $1,584
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 128 103 110 108 103 119 98 104 112 108
CLOSED WITH PAYMENT 33 31 38 34 30 30 23 24 20 23
CLOSED WITHOUT PAYMENT 95 72 72 74 73 89 75 80 92 85
0
20
40
60
80
100
120
140
160
Nu
mb
er
of
Cla
ims
61
BEFORE TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $163,158 $62,233 $41,111 $190,187 $57,982 $180,924 $89,818 $83,590 $87,697 $115,817
AVG LOSS EXPENSE $19,643 $13,393 $9,470 $16,545 $46,124 $42,509 $30,992 $28,178 $31,577 $46,584
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 83 80 76 97 137 93 114 87 72 70
CLOSED WITH PAYMENT 25 29 23 25 41 36 42 33 32 38
CLOSED WITHOUT PAYMENT 58 51 53 72 96 57 72 54 40 32
0
20
40
60
80
100
120
140
160
Nu
mb
er
of
Cla
ims
62
CLAIM OR SUIT ABANDONED
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $2,452 $5,303 $1,332 $8 $0 $4,788 $70 $0 $2,283 $1,075
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 10 3 18 29 8 17 11 12 17 37
CLOSED WITH PAYMENT 0 0 0 0 0 0 0 0 0 0
CLOSED WITHOUT PAYMENT 10 3 18 29 8 17 11 12 17 37
0
5
10
15
20
25
30
35
40
Nu
mb
er
of
Cla
ims
63
DURING TRIAL OR HEARING
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $175,000 $0 $0 $0 $0 $0 $166,683 $0 $0 $149,650
AVG LOSS EXPENSE $29,613 $2,041 $0 $4,410 $19,357 $140,870 $83,794 $13,956 $5,701 $50,775
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
$180,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 3 1 0 3 2 1 7 8 6 6
CLOSED WITH PAYMENT 1 0 0 0 0 0 3 0 0 1
CLOSED WITHOUT PAYMENT 2 1 0 3 2 1 4 8 6 5
0
1
2
3
4
5
6
7
8
9
10
Nu
mb
er
of
Cla
ims
64
AFTER TRIAL OR HEARING, BEFORE JUDGMENT
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $0 $0 $1,300,000 $22,000 $11,000 $0 $0 $92,282 $0 $252,500
AVG LOSS EXPENSE $21,576 $3,718 $112,126 $17,605 $44,283 $1,208 $86,330 $31,215 $53,677 $49,711
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 1 2 3 2 2 2 2 10 3 5
CLOSED WITH PAYMENT 0 0 1 1 1 0 0 1 0 2
CLOSED WITHOUT PAYMENT 1 2 2 1 1 2 2 9 3 3
0
1
2
3
4
5
6
7
8
9
10
11
Nu
mb
er
of
Cla
ims
65
DURING REVIEW PANEL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
AVG LOSS EXPENSE $0 $0 $0 $0 $0 $3,290 $0 $0 $0 $4,000
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
$3,500
$4,000
$4,500
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 0 0 0 2 0 1 0 0 0 5
CLOSED WITH PAYMENT 0 0 0 0 0 0 0 0 0 0
CLOSED WITHOUT PAYMENT 0 0 0 2 0 1 0 0 0 5
0
1
2
3
4
5
6
Nu
mb
er
of
Cla
ims
66
AFTER APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $201,223 $6,473 $77,020 $0 $0 $0 $45,157 $1,425,558 $999,995 $0
AVG LOSS EXPENSE $73,653 $35,626 $70,819 $11,868 $14,924 $38,639 $76,797 $234,360 $159,973 $7,641
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 11 15 8 8 3 8 9 9 8 4
CLOSED WITH PAYMENT 2 2 2 0 0 0 2 1 1 0
CLOSED WITHOUT PAYMENT 9 13 6 8 3 8 7 8 7 4
0
2
4
6
8
10
12
Nu
mb
er
of
Cla
ims
67
AFTER JUDGMENT, BEFORE APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $477,245 $24,500 $80,000 $0 $0 $0 $839,000 $0 $0 $701,690
AVG LOSS EXPENSE $27,916 $0 $114,047 $0 $5,355 $25,414 $131,246 $15,561 $2,909 -$1,324,330
-$1,600,000
-$1,400,000
-$1,200,000
-$1,000,000
-$800,000
-$600,000
-$400,000
-$200,000
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 9 2 1 5 3 4 2 6 3 4
CLOSED WITH PAYMENT 2 1 1 0 0 0 1 0 0 3
CLOSED WITHOUT PAYMENT 7 1 0 5 3 4 1 6 3 1
0
2
4
6
8
10
12
14
Nu
mb
er
of
Cla
ims
68
DURING APPEAL
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $250,000 $0 $0 $256,634 $0 $0 $104,240 $0 $0 $0
AVG LOSS EXPENSE $266,548 $54,673 $3,807 $100,598 $19,014 $170,804 $65,634 $0 $5,321 $51,592
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$175,000
$200,000
$225,000
$250,000
$275,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 2 4 1 5 1 1 3 1 2 1
CLOSED WITH PAYMENT 1 0 0 2 0 0 1 0 0 0
CLOSED WITHOUT PAYMENT 1 4 1 3 1 1 2 1 2 1
0
2
4
6
8
10
Nu
mb
er
of
Cla
ims
69
TEN YEAR SUMMARY
&
2009 SUMMARY
BY
YEARS ADMITTED TO PRACTICE
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
2000
-2009
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
2251
608
94.5
6%
$86,3
96
$52,5
28,9
36
88.1
4%
$13,9
13
4 T
O 1
0 Y
EA
RS
106
29
4.5
1%
$235
,69
7
$6,8
35,2
09
11.4
7%
$31,2
38
UN
DE
R 4
YE
AR
S
27
6
0.9
3%
$39,3
18
$235
,91
0
0.4
0%
$7,8
39
TO
TA
L
2,3
84
643
100.0
0%
$92,6
91
$59,6
00,0
55
100.0
0%
$14,6
14
73
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
00
9
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
235
65
97.0
1%
$122
,31
6
$7,9
50,5
42
99.9
1%
-$
5,0
45
4 T
O 1
0 Y
EA
RS
5
2
2.9
9%
$3,4
63
$6,9
26
0.0
9%
$3,0
95
TO
TA
L
240
67
100.0
0%
$118
,76
8
$7,9
57,4
68
100.0
0%
-$
4,8
76
74
TRENDS
OF
YEARS ADMITTED TO PRACTICE
FOR 2009
OVER 10 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $105,581 $40,332 $56,041 $75,725 $50,783 $132,611 $95,939 $92,213 $87,901 $122,316
AVG LOSS EXPENSE $14,049 $9,588 $8,991 $10,631 $21,615 $16,640 $21,322 $22,762 $17,995 -$5,045
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 239 199 196 242 234 236 234 227 209 235
CLOSED WITH PAYMENT 62 58 59 58 68 63 70 56 49 65
CLOSED WITHOUT PAYMENT 177 141 137 184 166 173 164 171 160 170
0
25
50
75
100
125
150
175
200
225
250
275
Nu
mb
er
of
Cla
ims
77
4 TO 10 YEARS
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $22,500 $15,000 $19,250 $597,185 $18,750 $1,248,332 $46,039 $86,490 $43,667 $3,463
AVG LOSS EXPENSE $10,213 $4,620 $2,227 $3,504 $68,317 $87,796 $56,095 $11,469 $22,361 $3,095
$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
$1,300,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 4 10 17 14 21 10 10 8 7 5
CLOSED WITH PAYMENT 1 5 4 4 2 3 2 3 3 2
CLOSED WITHOUT PAYMENT 3 5 13 10 19 7 8 5 4 3
0
2
4
6
8
10
12
14
16
18
20
22
24
26
Nu
mb
er
of
Cla
ims
78
TEN YEAR SUMMARY
&
2009 SUMMARY
BY
INSURED/CLAIMANT RELATIONSHIP
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
2000
-2009
INS
UR
ED
’S R
EL
AT
ION
SH
IP T
O T
HE
C
LA
IMA
NT
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
CLIE
NT
OT
HE
R T
HA
N F
RE
E L
EG
AL
SE
RV
ICE
OR
PR
EP
AID
LE
GA
L P
LA
N
1,9
31
581
90.3
6%
$85,6
83
$49,7
81,9
11
83.5
3%
$15,4
73
NO
N-C
LIE
NT
440
58
9.0
2%
$89,4
94
$5,1
90,6
44
8.7
1%
$10,5
94
FR
EE
LE
GA
L S
ER
VIC
E
9
2
0.3
1%
$26,2
50
$52,5
00
0.0
9%
$3,0
13
ME
MB
ER
PR
E-P
AID
LE
GA
L P
LA
N
4
2
0.3
1%
$2,2
87,5
00
$4,5
75,0
00
7.6
8%
$68,4
35
TO
TA
L
2,3
84
643
100.0
0%
$92,6
91
$59,6
00,0
55
100.0
0%
$14,6
14
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
00
9
IN
SU
RE
D’S
RE
LA
TIO
NS
HIP
TO
TH
E
CL
AIM
AN
T
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
CLIE
NT
OT
HE
R T
HA
N F
RE
E L
EG
AL
SE
RV
ICE
OR
PR
EP
AID
LE
GA
L P
LA
N
176
56
83.5
8%
$136
,00
7
$7,6
16,4
12
95.7
1%
-$
9,3
30
NO
N-C
LIE
NT
64
11
16.4
2%
$31,0
05
$341
,05
6
4.2
9%
$7,3
74
TO
TA
L
240
67
100.0
0%
$118
,76
8
$7,9
57,4
68
100.0
0%
-$
4,8
76
82
TRENDS
OF
INSURED/CLAIMANT
RELATIONSHIP
FOR 2009
CLIENT OTHER THAN FREE LEGAL SERVICE OR MEMBER OF PRE-PAID LEGAL PLAN
AVERAGE PAID INDEMNITY & AVERAGE LOSS EXPENSE
CLAIM COUNT
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $64,298 $39,988 $54,390 $113,793 $50,582 $134,198 $90,656 $97,837 $88,645 $136,007
AVG LOSS EXPENSE $11,740 $8,793 $7,702 $10,997 $28,006 $22,938 $25,434 $25,883 $18,876 -$9,330
-$25,000
$0
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 207 181 190 206 230 197 193 182 169 176
CLOSED WITH PAYMENT 58 59 60 58 70 56 66 53 45 56
CLOSED WITHOUT PAYMENT 149 122 130 148 160 141 127 129 124 120
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
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AVG PAID INDEMNITY $560,163 $13,750 $61,010 $45,205 $5,000 $9,380 $137,417 $32,598 $60,876 $31,005
AVG LOSS EXPENSE $20,530 $13,802 $13,576 $6,993 $6,693 $5,970 $12,601 $8,872 $13,993 $7,374
$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
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
ALL CLAIMS 38 26 25 53 29 47 53 53 52 64
CLOSED WITH PAYMENT 5 4 4 4 2 9 6 5 8 11
CLOSED WITHOUT PAYMENT 33 22 21 49 27 38 47 48 44 53
0
10
20
30
40
50
60
70
80
Nu
mb
er
of
Cla
ims
86
PREMIUM AND
LOSS DATA
PA
GE
19
SU
PP
LE
ME
NT
LE
GA
L M
AL
PR
AC
TIC
E E
XP
ER
IEN
CE
WIT
H M
AR
KE
T S
HA
RE
200
9 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
71.6
4%
$11,3
09,8
27
$11,8
57,6
76
$5,5
47,6
78
46.7
9%
2558
5
PR
OF
ES
SIO
NA
LS
DIR
EC
T IN
SU
RA
NC
E C
OM
PA
NY
12.8
5%
$2,0
28,8
13
$1,7
52,3
08
$170
,32
1
9.7
2%
2044
3
CO
NT
INE
NT
AL C
AS
UA
LT
Y C
OM
PA
NY
8.6
4%
$1,3
64,1
66
$1,0
77,5
28
$506
,66
8
47.0
2%
1196
7
GE
NE
RA
L S
TA
R N
AT
ION
AL IN
S C
O
2.1
4%
$337
,99
5
$302
,31
2
$126
,33
8
41.7
9%
2945
9
TW
IN C
ITY
FIR
E IN
SU
RA
NC
E C
OM
PA
NY
1.9
8%
$312
,05
8
$298
,91
2
-$5
0.0
0%
3984
5
WE
ST
PO
RT
IN
SU
RA
NC
E C
OR
PO
RA
TIO
N
0.9
8%
$154
,33
4
$159
,74
8
$42,8
71
26.8
4%
2476
7
ST
PA
UL
FIR
E &
MA
RIN
E I
NS
UR
AN
CE
CO
MP
AN
Y
0.9
7%
$152
,41
2
$334
,54
9
$238
,90
9
71.4
1%
2232
2
GR
EE
NW
ICH
IN
SU
RA
NC
E C
OM
PA
NY
0.3
7%
$58,9
73
$62,3
25
$11,2
40
18.0
3%
2224
1
ME
DM
AR
C C
AS
UA
LT
Y IN
SU
RA
NC
E C
OM
PA
NY
0.1
9%
$30,4
92
$36,8
97
-$
11,5
71
-3
1.3
6%
4223
4
MIN
NE
SO
TA
LA
WY
ER
S M
UT
UA
L IN
S C
OM
PA
NY
0.1
6%
$24,5
71
$52,4
08
-$
57,3
39
-1
09.4
1%
1669
1
GR
EA
T A
ME
RIC
AN
IN
SU
RA
NC
E C
OM
PA
NY
0.0
7%
$11,5
15
$54,3
91
-$
829,3
32
-1
524.7
6%
2477
5
ST
PA
UL
GU
AR
DIA
N IN
SU
RA
NC
E C
OM
PA
NY
0.0
2%
$2,5
67
$5,7
53
$30,0
00
521.4
7%
1003
7
INT
ER
LE
X IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
$0
N
/A
1586
5
NC
MIC
IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
-$
2,0
32
N
/A
2213
6
GR
EA
T A
ME
RIC
AN
IN
S C
OM
PA
NY
OF
NE
W Y
OR
K
0.0
0%
$0
$0
$6,3
59
N
/A
2381
7
ILLIN
OIS
NA
TIO
NA
L IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
-$
42,4
00
N
/A
2634
4
GR
EA
T A
ME
RIC
AN
AS
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
$419
N
/A
3372
3
GR
EA
T A
ME
RIC
AN
SP
IRIT
IN
SU
RA
NC
E C
OM
PA
NY
0.0
0%
$0
$0
$75
N
/A
T
OT
AL
100.0
0%
$15,7
87,7
23
$15,9
94,8
07
$5,7
38,1
99
35.8
8%
89
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 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
2000
$11,0
26,7
95
$9,9
15,7
55
-$
18,3
93,9
21
-1
85.5
0%
2001
$13,5
76,1
33
$14,7
70,4
45
$4,6
31,8
75
31.3
6%
2002
$12,8
18,6
43
$11,8
30,8
69
$2,4
26,9
99
20.5
1%
2003
$13,0
57,6
78
$11,6
71,7
41
$3,4
02,6
19
29.1
5%
2004
$14,5
39,8
56
$13,3
43,1
00
$6,4
72,2
67
48.5
1%
2005
$14,7
94,6
06
$14,1
45,0
32
$16,0
44,5
22
113.4
3%
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%
10-Y
EA
R T
OT
AL
$147
,08
9,2
12
$142
,31
0,3
45
$40,4
67,6
02
28.4
4%
90
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
20
00
20
01
20
02
20
03
20
04
20
05
20
06
20
07
20
08
20
09
Lo
ss
Ra
tio
-18
5.5
0%
31
.36
%2
0.5
1%
29
.15
%4
8.5
1%
11
3.4
3%
70
.11
%2
6.0
3%
23
.62
%3
5.8
8%
-25
0.0
0%
-20
0.0
0%
-15
0.0
0%
-10
0.0
0%
-50
.00
%
0.0
0%
50
.00
%
10
0.0
0%
15
0.0
0%
Loss Ratio
91
DIFP
difp.mo.gov800-726-7390
JULY 2010
Harry S Truman Building, Room 530301 W. High St.
PO Box 690Jefferson City, MO 65102
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
JULY 2010
Harry S Truman Building, Room 530301 W. High St.
PO Box 690Jefferson City, MO 65102
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