Nielsen Professional Insurance Services, Inc.

Welcome

Nielsen Professional Insurance, Inc. knows the insurance markets, the insurance carriers and the insurance underwriters who will get your business the best possible coverage at the best possible price. We help you assess and manage your business insurance so you have peace of mind. We offer all varieties of business insurance in Arizona, California, Nevada and Texas from some of the strongest insurance and asset management organizations in the world. Financial strength, experience and commitment make Nielsen Professional Insurance Services, Inc. a business partner you can trust.

We proudly provide Professional Insurance Services to the following states:

ARIZONA
AZL #1119748
CALIFORNIA
CDL #0K07883
NEVADA
NVL #3096004
TEXAS
TXL #2026795

 

For a no-cost, no-obligation insurance estimate, call us today

(877) 856-9231

Attorney Liability Insurance

California, Nevada, Texas and Arizona Legal Malpractice Insurance has been our specialty for more than twenty five years. We locate professional liability insurance and other attorneys’ insurance products that cover a diverse range of services performed in today’s legal profession.

We know that as an attorney you do your best to protect your law firm against the unfortunate circumstance of a legal malpractice suit. Premiums and deductibles for legal malpractice insurance vary widely according type and size of insured firms – every situation is unique, your solution should be too.

In this dynamic environment, we know the markets, the carriers and the underwriters who will get your firm the best coverage at the best price. We help you realistically assess and manage your business risk for peace of mind. Whichever coverage you need, Attorney Malpractice Insurance, Workers’ Compensation, Employees’ Liability, or an Office Package Policy we will find you the best coverage at the best price.

Insurance For Attorneys

What is Legal Malpractice Insurance?

Legal Malpractice Insurance covers professionals for claims arising from alleged or actual negligence or errors and omissions that may have harmed their clients.

Why Do you need Legal Malpractice Insurance?

Even the most careful professionals can be held liable or be sued for a professional error. We provide you expertise in coverage against the specific risks surrounding professional performance, negligence, and errors and omissions, as well as  knowledge about the professional liability perils that jeopardize law practices. Legal Malpractice Insurance will help protect a professional both for claims relating to mistakes and claims relating to allegations of errors or omissions.

Attorney Malpractice Insurance may be referred to as any of the following: E&O Insurance, Errors & Omissions, Professional Liability Insurance, Attorney Malpractice Insurance or Legal Malpractice Insurance. No matter what the name we provide coverage options that will work best for your personal and professional needs.

We find affordable Legal Malpractice Insurance Coverage For

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The Professional Liability coverage features we offer can include:

Attorney Malpractice Helpers

Nielsen Professional Insurance Services is a boutique insurance brokerage specializing in Lawyers Professional Liability Insurance. We possess broad knowledge of the insurance industry; however, we specialize in legal malpractice insurance to better serve our clients. We have long-term relationships with the attorneys we represent because we carefully help them with their risk management. We shop for the best malpractice insurance for lawyers each year upon renewal. In addition to professional liability insurance, we offer other services that businesses need such as Workers’ Compensation Insurance, Office Package Policy, Bonds, Health Insurance, and more.

Why Choose Nielsen Professional Insurance Services?

We have access to all of the top A+ rated carriers and can quickly obtain quotes from multiple carriers with just one application, providing you the coverage you need in the budget you want.

When you become our client, you will receive:

FAQ

FAQ – Frequently Asked Questions

About Lawyers Professional Liability (LPL) Insurance

What does “claims-made” mean?

Most LPL policies are claims-made and reported policy forms. This means that coverage under the policy is usually triggered by the act of reporting the claim. Whether or not there is coverage for that claim will first depend on if there is a policy or extended reporting period in effect on the date the claim is reported to the carrier.

What is a “retroactive” or “prior acts exclusion” date?

When you purchase a lawyers professional liability policy for the first time, it only provides coverage for acts, errors or omissions resulting from services performed from the effective date of the policy to the end of the policy period (subject to policy terms and conditions). This initial inception date of coverage will be your “retroactive date” or “prior acts exclusion” date.

Work performed prior to the retroactive date will not be covered. As long as coverage is continuously renewed without any gaps in coverage, this date will remain the same on subsequent policies.

What is “prior acts” coverage?

Simply put, prior acts coverage means that acts, errors or omissions resulting from services that were performed after the retroactive date and during the initial and subsequent policy periods will be covered (subject to policy terms and conditions) if the claim arising from those services is reported during the current policy period.

Since there is usually a “lag-time” from when services are performed and claims are reported, you can understand why maintaining your prior acts coverage is very important.

How does prior acts coverage affect my premium?

When you initially obtain coverage, the premium reflects one year of coverage. With each renewal, the prior acts coverage period lengthens by a year (an additional year of coverage for work performed back to the retroactive date) which increases the claims exposure. To account for this increased exposure, the carrier will charge a higher premium. These “steps” in premium will continue each year and eventually “mature” anywhere from six to eight years from the retroactive date.

Business Insurance

We know the markets, the carriers and the underwriters who will get your business the best coverage at the best price. We help you realistically assess and manage your business insurance so you have peace of mind.

NPIS offers insurance for business from some of the strongest insurance and asset management organizations in the world. Financial strength, experience, and commitment make Nielsen Insurance Services a business partner you can trust.

Nielsen Professional Insurance Services has been providing reliable insurance coverage for over 25 years. Whether you are looking for an Office Package Policy or Commercial Package Policy we provide a custom approach to securing insurance protection for your business. Our experienced staff will help you pick options from property, liability, commercial auto, and umbrella coverage.

Commercial Package Policy

A Commercial Package Policy or Business Owners Package Policy combines Commercial General Liability Insurance and Property Coverages into one policy. It is similar to a homeowner’s Policy. It is a package insurance policy that provides both liability and Property Coverage for businesses and other organizations. It protects the physical property of a business including business contents and equipment, the building itself, including leasehold improvements, and provides Commercial General Liability Insurance (CGL) along with other coverages.

NPIS offers Commercial Package policies from some of the strongest insurance and asset management organizations in the world. Financial strength, experience, and commitment make NPIS a business partner you can trust.

All business can benefit from the peace of mind provided by Commercial Package Policies, but businesses with expensive equipment and/or inventory are especially vulnerable to the losses Commercial Package Policies protect against. Business that have a large customer interface also benefit from the protection of General Liability Insurance.

Trust NPIS to find the best fit for your business whether it is a Package or stand alone Commercial Property Insurance and General Liability Insurance. We will help you find the right coverage for your needs.

General Liability Insurance

General Liability Insurance protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. These perils could include (depending on the policy) bodily injury, property damage and data loss, or personal injury from slander.

General Liability Insurance will not protect you from everything and it is often bought in junction with Commercial Property Insurance and Professional Liability Insurance. At NPIS we carefully evaluate your insurance needs to make sure you have the right amount and the correct insurance so you have peace of mind that your assets are protected.

Commercial Property Insurance

One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools, and more. Losses from fire, break-in, vandalism, wind, and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, NPIS can help you determine the type of insurance policy and range of coverage that is best for your business.

Errors and Omission

You need Errors and Omission Insurance if

• You provide professional service.

• You give advice as part of your job.

• It is required by your clients.

Errors and Omissions (E&O) is the insurance that covers your company, or you individually, in the event that a client holds you responsible for a service you provided, or failed to provide, that did not have the expected or promised results. For doctors, dentists, chiropractors, etc., it is often called malpractice insurance. For lawyers, accountants, architects, or engineers, it may be called professional liability. Whatever you call it, it covers you for errors (or omissions) that you have made or that the client perceives you have made.

At Nielsen Professional Insurance Services, we know errors or omissions can be made by even the most diligent professional. We work closely with our valued clients to help them locate E&O insurance coverage most suitable for their personal and business needs. If you are concerned about an honest error putting your law business at risk, a comprehensive E&O insurance policy will give you the peace of mind to do your best. We want you to be confident in business knowing you are secure and insured.

Employment Practice Liability

Employment Practices Liability Insurance, also known as EPL insurance or EPLI, provides coverage to employers against claims made by employees, former employees, or potential employees alleging discrimination based on race, age, sex, or disability. Wrongful termination, harassment, and other employment-related issues, such as breach of contract and failure to make partner are examples of Employment Practice perils. Large law firms normally have signifigant employment practices insurance coverage in place and are prepared to deal with just about any employment lawsuit. On the other hand, new or small law firms are frequently the most vulnerable to employment claims.  Because they usually lack a legal department or company handbook detailing the policies and procedures that guide hiring, disciplining or terminating. As soon as you hire employees you need Employee Liability Insurance.

Workers’ Compensation Insurance

Workers’ Compensation Insurance is required by all businesses with employees, large and small, operating in the States of California, Nevada, Texas and Arizona. It provides effective and prompt medical treatment for employees who become injured or ill while performing their job duties. Workers’ Compensation Insurance also protects the employer should they be sued by the employee for those injuries or illness. An employee is covered by Workers’ Compensation Insurance regardless of whether they are at fault for the injury or illness.

At Nielsen Professional Insurance Services, we are your specialist for Workers’ Compensation Insurance.  If employees are injured during work, Workers’ Compensation Insurance guarantees paid medical expenses, lost wages, and a possible monetary award. We will take care of all the details to ensure that your Workers’ Compensation quote reflects your particular business and needs. This includes making sure that your company is properly classified for premium calculations. Premiums can vary widely for Workers’ Compensation Insurance depending on the smallest change to employee classification codes. You can trust that we do the research necessary to classify your employees correctly so that you get the Workers’ Compensation coverage you require. We can also help you understand the details of each Workers’ Compensation Policy.

NPIS’s years of experience writing Workers’ Compensation Insurance will ensure a smooth application process and fast approval. We create a Workers’ Compensation quote tailored to your business and will make sure that you are fully educated on navigating the Workers’ Compensation Insurance application process.

Call us at 877-856-9231 or fill out our online quote form to get your Workers’ Compensation Insurance quote. Also feel free to contact us if you need information about Attorneys Insurance, Professional Liability Insurance, or Package Insurance Coverage.

Over $250,000 Annual Premium

For companies with a standard annual premium of $250,000 or greater, Nielsen Professional Insurance Services offers a unique program that provides competitive pricing and excellent service.

We place your business with one of the nation’s premier Workers’ Compensation and Risk Management companies. As other Financial Services organizations have abandoned the Workers’ Compensation field, our program has continued to lead the industry by constantly improving and extending its custom-made solutions for all companies. With its financial strength, it has weathered the insurance cycles.

With our expertise – an intelligence that combines in-depth knowledge of the industry with a keen understanding of how companies work – we offer superior service, designing solutions that make sense for your company. And with our program’s commitment to reliability and dependability, we confidently declare, “It’s there when you need it –today, tomorrow, and well into the future.”  We look forward to a long and fruitful partnership with our customers.

The Program

Flexible and customized: allows you to create a solution specific to your needs. Traditional rating models are cumbersome and restrictive, rendering them financially ineffective for the customer. With our program, you get the flexibility of creating a solution that meets your appetite for risk and your particular financial circumstances.

Structure: The program is a loss-sensitive plan set up similarly to a retrospective plan. The plan has a set minimum and maximum the insured will pay. The final cost of the plan will ultimately be dictated by the insured’s loss experience. The product is designed so that each insured can control the cost of their insurance through their loss experience.

Integration: Our program is reliable and easy to use. Unlike the increasingly popular alternative risk financing solutions that gather a hodge-podge of services from a variety of vendors, our program is a fully integrated solution. With our program, you get one bill with a monthly plan analysis that the insured can use to track their progress. The result is that an otherwise complex process is made easy and straightforward.

Share in the Profits: While traditional coverage programs are cumbersome and restrictive, our program makes profit sharing simple: control your claims and share in the underwriting profits.

Program Details

Details that make our plan smart coverage for your Business:

Rates and terms are fixed for 3 years.

Low pay-in factors with monthly calculations provide up-front savings and flexible cash flow.

No use of Loss Conversion Factors.

Electronic Funds Transfer (EFT) of workers’ compensation premium, taxes, and assessment.

The three-year profit sharing plan provides a flexible pay-in schedule for premium and capital requirements and a low, up-front deposit of 10%.

In-house claims adjusters with low caseloads proactively manage the claims process, combat fraud,  enforce utilization review, and ensure proper treatment and early return to work for injured employees.

Participation in exclusive medical care facilities and physician networks further reduce claims costs.

A-rated, multi-state carriers in all fifty states eliminates the need for stub policies, additional deposits, and multiple services.

To start the binding process – Request to Implement Program and Bind Coverage and copy of check for Deposit and Account Setup charges.

Claims

For Injured Workers

With our program you will receive excellent medical care through approved medical providers. Our program helps injured workers get back to work as quickly as possible. It works hard to pay benefits accurately and on time. Our program claims adjusters take the time to answer all questions and concerns.

For Employers
Our program closes claims much faster than the industry average. The fact is, claims that close quickly cost a lot less, which means decreased premium costs and less chance of litigation.

Our Program Claims Adjusters
Our Programs recruiting process is highly selective and they only hire exceptional individuals. Everyone who joins our programs claims management team gets intensive, ongoing training throughout their careers here. By providing in-house, customized training programs, it helps our programs employees stay up-to-date in workers’ compensation law, medicine, and technology.

Typical claims departments assign adjusters between 160–220 open claims. Managing so many claims makes it extremely difficult to do a good job. Our programs adjusters manage only 110–120 open claims. By assigning our programs adjusters the lowest caseloads in the industry, they have sufficient time to review each claim thoroughly and manage it effectively.

How Claims are Managed Makes a Difference

• Closing Claims Accurately and Quickly.

• Adjusters Who Actually Answer The Phone.

• We take fraudulent claims very seriously.

Our Programs entire claims operations are housed in a single location. This includes:

• Claims Adjustment

• Medical Bill Review

• Utilization Management

• Nurse Case Management

• Litigation Management

• Special Investigations

• Safety and Loss Control

• Pharmacy Services

• Claim Intake and Set-up

• Software Development

Because our program provides all of it’s services under one roof, it is able to offer high-quality, rapid, and reliable case management. It also allows benefits to be paid accurately and on time.

We Make Reporting A Claim Easy

Under $250,000 Annual Premium

We are your experts on Workers’ Compensation. If employees are injured during work, they are guaranteed monetary awards from their employer to cover medical costs plus a percentage of lost wages. We will take care of all the details to ensure that your Workers’ Compensation quote reflects your particualr business and needs. This includes making sure your business is properly classified for premium classification. Premiums can vary widely depending on the smallest change to employee classification codes.  You can trust that we do the research necessary to classify your employees correctly so that you get the coverage you require to run your business.

At Nielsen Professional Insurance Services, we know how important it is to proactively manage the claims process, combat fraud, enforce utilization review, and ensure proper treatment and early return to work for injured employees. We have a wide variety of products available for whatever type of industry you might be involved in. We work in-house to ensure an efficient and cost-effective process to deliver convenience and satisfaction to you and your employees.

Health Insurance

Nielsen Professional Insurance Services offers comprehensive benefit packages for businesses small and large. Whether your business is looking to offer health insurance or multiple benefit we can help you make the best decision for your business and your employees. We offer our clients extra support by providing an HR support program which provides in-depth information and support on employer practice, compliance to state and federal laws and updates on new state and federal regulations.

Request A Quote

Our business is protecting your business.

Please provide us with the following basic information to get a custom insurance estimate for the insurance you need to protect your business(es). If this is an urgent need or if you’d simply like to speak to us in person, feel free to give us a call at (877) 856-9231

There is no obligation whatsoever by submitting this information and we will never share your information with any outside company for any reason. Please see our Privacy Policy / Terms of Use for more information.

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How unpaid legal fees can affect Legal Malpractice Insurance

Collecting unpaid fees is a complicated task. Often one of three reasons the reason why the fees have gone unpaid.

Reasons why clients do not pay their legal fees

-Perhaps the client has no money to pay, in which case no matter what the fees will go unpaid.

-The client has very little morals and never intended to pay the fees.

-If the client feels that your work representing them was less than superb they may not only refuse to pay their legal fees.  There is also a chance that there could be a counter legal malpractice suit filed against you.

The last reason is what we will be focusing on in this article. People often do not realize the effects legal malpractice suits brought against them have on their insurance. If you have a claim filed against you, it will without a doubt drive your Legal Malpractice Insurance premium up. Most likely there will be residual hikes in premiums for up to five years to come.

Even if you feel that you are completely entitled to colleting the unpaid fees, which no doubt you are, the client is very likely not going to go down without a fight.  Each situation must be assessed as an individual and the gain from collecting the unpaid fees must be weighed against the financial loss from a hike in Legal Malpractice Insurance premiums.

Another consideration that should be consider  is that if you have a claim some insurance companies will no longer provide insurance when it comes time to renew your policy. This can complicate the process of renewing your legal malpractice insurance policy.

What you can do to protect your Legal Malpractice Insurance

There are step that can be taken to prevent situations that lead to unpaid fees. To start it is important that all terms are explained and discussed clearly with clients and then agreed to by the client. It is important to pay attention to fees from the start. If you see a pattern with non-payment  it is not going to get better, chances are you are not going to get paid at all. Lastly only take clients that you feel are going to be honest when it comes to fees. Clients that you feel confidant will pay invoices on time and for the full amount provably will. Legal Malpractice Insurance can cost more because of unpaid legal fees so it is important to work with your clients from the beginning to resolve billing issues. 

The Bottom Line-

Choosing the right legal malpractice policy is one of the most important decisions you can make in developing your risk management strategy. Nielsen Professional Insurance Services will be with you every step of the way to determine the best coverage for your particular needs. Fill out our Request A Quote form now or call us toll-free at (877) 856-9231 for more information on our services.

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About Us

About-Family

Nielsen Professional Insurance Services is a family-owned and operated insurance brokerage specializing in Lawyers/Attorneys Liability Insurance, Workers’ Compensation Insurance, Office Package Policies, Bonds, Health Insurance and more. We possess broad knowledge of the insurance industry and we are eager to help you find the coverage that best fits you and your unique business insurance needs.

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(530) 273-0300

Info@NielPro.com

PO Box 1689, Cedar Ridge, CA 95924