The NLADA Mutual Insurance Co., A Risk Retention Group, (known as NLADA Mutual) is America’s first and only equal justice insurance and risk management insurance firm exclusively dedicated to equipping you with the coverage you need to courageously and confidently advance justice and equity for all. As an evolved version of the NLADA Insurance Program, we are committed to providing the excellent products and services to which you are accustomed.

A mutual insurance company is owned entirely by its policyholders and governed by a board of directors on behalf of the policyholders. In this instance, NLADA member-insureds own NLADA Mutual and members of this community serve on its board. We are distinct because NLADA Mutual was established by and for the equal justice leaders and advocates in the field and related organizations, all of whom together make access to justice possible.

A Risk Retention Group (or “RRG”) is a specific type of mutual insurance company that can operate in all states and the District of Columbia after being formed and licensed in one state. RRGs are authorized by federal law. RRGs are closely regulated by the jurisdiction in which they are domiciled and licensed. NLADA Mutual is licensed in the District of Columbia and can provide coverage anywhere in the United States.

Because we are an insurance company that shares the mission of advancing equal justice and as a mutual insurance company, we are a company owned by its members. All net proceeds remain in the equal justice community to support the work of advocates, like you, on the frontlines and NALADA’S efforts on their behalf. We are also a fierce advocate for justice and equity within the insurance industry.

NLADA created its own insurance program in 1994 to better service its members. The insurance program evolved into a mutual company (NLADA Mutual) in 2022 where its member-insureds are owners in the company. Since the company was created by and for NLADA members (and the equal justice community), the net proceeds go back to NLADA and the community to support NLADA’s mission.

Yes, NLADA Mutual member-insureds should hold membership with the National Legal Aid & Defender Association (NLADA) which provides many benefits to legal aid and defense practitioners and the equal justice community. For more information, please contact [email protected].

Limits start as low as $100,000 and go up to $5,000,000.

Available deductibles are $0 - $5,000 depending on the policy limit.

• Lawyers Professional Liability 
• Management Liability/Directors and Officers 
• Employment Practices Liability (must be purchased with Management Liability)

The following coverages are automatically included in the lawyers professional liability policy:

• $50,000 of Disciplinary Proceedings Expense 
• $50,000 of Equitable Relieve Defense Coverage 
• Subpoena Assistance coverage, within the limit of the policy

Per our policy language, any lawyer (employee, contractor, volunteer) that provides professional services on behalf of the named insured is covered as an insured per the limits and conditions of the policy. See Section D.  Definitions, 2. Insured, for the full definition of Insured.  Refer to your policy for all other policy languages.

This means that all defense costs, such as attorney fees, court costs, investigation and legal filing papers, are deducted first from the policy limit, which cuts into the overall limit of dollars available to pay for monetary damages awarded by a ruling.

Your policy premium is based upon the number of attorneys (full time, part time, volunteers and contractors) working for your program. Other factors such as the areas of practice, policy limit, and deductible will also impact your premium each year.

D&O coverage, which is referred to as Management Liability coverage, can be purchased separately.  The limit of liability and deductible for this coverage would match the Lawyers Professional Liability limit and deductible.  Refer to your declarations page to confirm if the coverage is in place.

NLADA Mutual Insurance Co., A Risk Retention Group is proud to have a Financial Strength Rating of A (Excellent) and a Long-Term Issuer Credit Rating of “a” (Excellent) from AM Best. Effective Feb 2024. For the latest Best’s Credit Rating, access www.ambest.com.

Yes, electronic payments can be made through the link below.  Credit/debit card fee is 3.5% and ACH fee is $3.  The maximum payment per transaction is $50,000.  

https://nladamutual.epaypolicy.com 

Payments by check can be mailed to:

NLADA Mutual Insurance Co., RRG
c/o Minnesota Lawyers Mutual Company
333 South 7th Street, Suite 2200 
Minneapolis, MN 55402

A mutual insurance company is owned entirely by its policyholders and governed by a board of directors on behalf of the policyholders. In this instance, NLADA member-insureds own NLADA Mutual and members of this community serve on its board. We are distinct because NLADA Mutual was established by and for the equal justice leaders and advocates in the field and related organizations – like you – all of whom together make access to justice possible.

A Risk Retention Group (or “RRG”) is a specific type of mutual insurance company that can operate in all states and the District of Columbia after being formed and licensed in one state. RRGs are authorized by federal law. RRGs are closely regulated by the jurisdiction in which they are domiciled and licensed. NLADA Mutual is licensed in the District of Columbia and can provide coverage anywhere in the United States.

Your assigned Account Executive (underwriter) is based on your primary location:

If you are in AL, CA, CT, DE, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NH, OH, PA, RI, SC, TN, VA, & VT: please contact Dominique Davis via email or call 202-452-9870 x832.

If you are in AK, AR, AZ, CO, DC, FL, HI, IA, ID, MN, MT, NC, ND, NE, NJ, NM, NV, NY, OK, OR, PR, SD, TX, UT, WA, WI, WV, & WY: please contact David Kessler via email or call  202-452-9870 x241.

Per our policy language, any lawyer (employee, contractor, volunteer) that is providing professional services on behalf of the named insured is covered as an insured per the limits and conditions of the policy. See Section D.  Definitions, 2.  Insured, for the full definition of Insured.  Refer to your policy for all other policy language.

No, the policy automatically covers new hires for the rest of the policy period, so a change to your policy is not needed. You are responsible for updating the attorney list at your next renewal. However, if you start a new program, please see question #3.

Yes, we ask that you provide us with a detailed description and expected areas of practice for the new program. We will then use the additional information to determine if we will be able to provide coverage for the attorneys working in the program and if there will be an impact to the policy premium.

This means that all defense costs, such as attorney fees, court costs, and investigation and legal filing papers, are deducted first from the policy limit, which cuts into the overall limit of dollars available to pay for monetary damages awarded by a ruling.

Your policy premium is based upon the number of attorneys (full time, part time, volunteers and contractors) working for your program. Other factors such as your location, areas of practice, policy limit, and deductible will also impact your premium each year.

D&O coverage, which is referred to as Management Liability coverage, can be purchased separately.  The limit of liability and deductible for this coverage would match the Lawyers Professional Liability limit and deductible.  Refer to your declarations page to confirm if the coverage is in place.

Report claims or potential claims to our Claims Department at [email protected]. For questions regarding a filed claim or potential claim, contact your claims adjuster or the claims department at (800) 422‐1370.

NLADA Mutual Insurance Co., A Risk Retention Group is proud to have a Financial Strength Rating of A (Excellent) and a Long-Term Issuer Credit Rating of “a” (Excellent) from AM Best. Effective Feb 2024. For the latest Best’s Credit Rating, access www.ambest.com.

Yes, electronic payments can be made through the link below.  Credit/debit card fee is 3.5% and ACH fee is $3.  The maximum payment per transaction is $50,000.  

https://nladamutual.epaypolicy.com 

Should you need to send a payment by mail, send payments to: 

NLADA Mutual Insurance Co., RRG
c/o Minnesota Lawyers Mutual Company
333 South 7th Street, Suite 2200 
Minneapolis, MN 55402

Contact your assigned Account Executive with any questions or concerns. Visit https://www.nlada.org/nlada-mutual/applying-for-coverage to find your Account Executive (based on the state in which you practice).

Yes, please contact your assigned underwriter or email us at [email protected].

Yes, NLADA Mutual member-insureds should hold a membership with the National Legal Aid & Defender Association (NLADA) which provides many benefits to legal aid and defense practitioners and the equal justice community. For more information, please contact [email protected].

NLADA created its own insurance program in 1994 to better service its members. The insurance program evolved into a mutual company (NLADA Mutual)  in 2022 where its member-insureds are owners in the company. Since the company was created by and for NLADA members (and the equal justice community), the net proceeds go back to NLADA and the community to support NLADA’s mission.

For any membership questions please contact [email protected].  

We hope these FAQs answer many of your questions about your policy or coverage. If you have specific concerns, please contact us [email protected].

Our website is nladamutual.com. 

Please also follow us on LinkedIn at linkedin.com/company/nladamutual.