Originally published July 17, 2020. Last updated December 23, 2025.

Imagine the consequences for your law firm if there were a serious accident, fire or theft at the office. As a lawyer, you know personal injury lawsuits are costly, stressful and time consuming, and theft, fire and other disasters can impact your ability to serve clients and run your business.

Insurance protection against these risks isn’t just nice to have, it’s critical for protecting your law practice and your legal career. Without adequate insurance protection, your firm could have difficulty bouncing back. To protect your business, its assets and its contents from the risk of injuries, losses and damage, you need a Business Owners Policy.

About Business Owners Insurance for Law Firms

A Business Owners Policy or BOP is must-have for your law firm — think of it like a homeowner’s policy for your practice. Your homeowner’s policy provides property protection for your home and its contents as well as general liability protection against third-party claims. In the same way, a BOP protects your commercial property, including your law office and its contents, and provides liability coverage in case of injuries, property damage and other common claims.

With a BOP, you and your firm are protected from lawsuits and legal liability as a result of damages or accidents. Your BOP coverage will provide protection for legal fees and judgements associated with lawsuits, as well as cover the costs to repair damages to protected property.

Examples of Business Owners Policy Coverage

BOP coverage for lawyers and law firms often combines coverages for General Liability and Commercial Property into a single broad policy. These coverages can protect you and your firm from a wide range of common risks. Here are a few typical examples of BOP coverage:

  • Your office is redecorating and places a new rug in the conference room. An older client trips over the rug and falls breaking their hip, resulting in costly medical care and a claim for damages. Your BOP’s general liability coverage covers the costs.
  • Another tenant in your office building is in the news. A reporter attributes a negative comment to one of your firm’s staff members, and the tenant sues your firm for slander and libel. Your general liability protection handles the claim.
  • A junior attorney is sent to drop off time-sensitive paperwork at the home of an important client. Their car’s parking brake fails on a steep incline and the client’s gate and personal vehicle are damaged. Your BOP provides coverage for this property damage.
  • Your marketing department is rushing to finish a new ad campaign. Copyrighted artwork makes it into the final design and the artist sues for intellectual property infringement and damages. Your BOP provides coverage to settle the claim.
  • Your office landlord is having some maintenance work done on the building’s power supply. A mistake by the workers causes an after-hours electrical fire to break out. Your BOP covers the damages to your rented furniture and personal law library.
  • The building hires a new vendor to perform overnight cleaning and one night the building is left unsecured. Thieves enter and steal electronics from your practice’s conference room. Your BOP protection ensures you can replace what has been taken.

BOP Protection for Your Law Practice

Lawyers and law firms face new challenges every day. The risk of an injury, damages or legal liability affecting the operation of your law practice are high in today’s complex world. Just as you trust Professional Liability coverage to protect your career and practice from malpractice claims, it’s important to protect against these other risks with Business Owners Policy coverage. BOP protection ensures your firm will not have to face costly lawsuits, injury claims or damages alone.

The Lockton Affinity Lawyer Insurance Program can help you manage the risks your firm faces. As a full-service brokerage, we aim to be your one-stop-shop for insurance, offering tailored solutions from Professional Liability to Cyber Liability, Business Owners, Employment Practices Liability, Commercial Auto, Workers’ Compensation, Directors & Officers Insurance and more. Get started now with our quick, 5-minute price indication request.