Intent

   Our primary intent is the preservation of our policyholders' professional reputations and financial well being. In today's world, some risk is attached to the practice of law and we take every opportunity to work with our insureds as partners in managing these risks.

   Broadening exposures from changing standards, more expansive theories of liability and increasingly complex claim theories make it unreasonable to practice without coverage. Insurance is the mechanism for the transfer of risk and is probably the most cost efficient manner of managing risk for most people.

   We recognize that your professional reputation is your greatest asset. We strive hard to protect that asset, as our reputation is intertwined with yours.

Net Reserve at December 31, 1997