Professional liability insurance protects you if your lawyer makes errors causing financial harm to your case. Most states require minimum malpractice coverage, but these amounts might not adequately protect clients in high-value cases. Ask directly about coverage limits and whether they’re appropriate for your potential case value. Reputable lawyers willingly discuss their insurance as part of demonstrating professional responsibility. Standard policies cover errors like missing deadlines, failing to file proper documents, or providing incorrect legal advice. Higher coverage limits often indicate financial stability and confidence in professional abilities. Some lawyers carry excess coverage beyond basic requirements, providing additional protection for clients. Request the insurance carrier name, as established legal malpractice insurers indicate better risk management. Lawyers should also maintain coverage for years after retirement to cover claims from former clients. Be cautious of lawyers who become defensive about insurance questions or claim coverage details are confidential. State bar associations can often verify whether lawyers maintain required minimum coverage. Consider whether coverage limits align with typical case values the lawyer handles. Additional protection comes from lawyers who maintain separate business assets and follow risk management protocols. Understanding malpractice coverage helps evaluate overall professionalism and financial responsibility. While hoping never to need it, adequate insurance provides peace of mind about protection if problems arise during representation.