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For an attorney, the prospect of an unsatisfied client making a claim against him for a perceived error or omission is one of the most unsettling things he can face in the course of his career. He takes such pride in his work, and considers himself so devoted to his clients’ interests that a professional liability claim cuts to the very heart. His judgment may be questioned. His skill and professionalism impugned. His reputation sullied. The wealth he worked hard to accumulate is now at risk.

That he has insurance coverage to protect him from the cost of defending the claim, and paying damages which may be awarded to the client seems to be of little solace. He will have to report the claim which, in addition to the humiliation of having to confess that he has a dissatisfied client, may trigger higher premiums when he applies for renewal. And, of course, there will be the deductible to pay.

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