Reminder: Report all claims within the policy year by June 30, 2014

To ensure that you preserve your policy coverage, you must report a claim (or potential claim) as soon as practicable after learning of a claim or becoming aware of circumstances that might constitute an occurrence or give rise to a claim, however unmeritorious. You must report that claim (or potential claim) within the policy period. This is a condition of your policy. The current policy period ends June 30, 2014. Therefore, if you are currently aware of a claim or a potential claim, even if you believe the claim or potential claim to be completely without merit, you must report by June 30.

Furthermore, you should report to your insurer when:

  • You discover a mistake that has or may have caused the client damage. This is true even if the client has no intention of advancing a claim against you at the time; the client may advance a claim in the future. Early claim reporting allows investigation and possible mitigation of the problem before it becomes worse or more costly.
  • You receive any threat or communication of intention to sue from a client or his or her lawyer. You should not second-guess the client’s intentions and wait for a clearer indication that the client is serious.
  • Your handling of a matter is criticized by a member of the judiciary or in a public document.
  • Another lawyer, on behalf of your former client, requests your file on a particular matter. This action should cause you to be cautious, especially if the former client’s lawyer does not give an explanation or expresses concerns about your handling of the matter.
  • A client expresses dissatisfaction with your handling of a particular matter and there is some indication the client believes he or she has suffered a loss or incurred damages.
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