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At OAMIC, we’re here for you. Whether you’re part of a large firm or a single practitioner we are committed to your success. We were the first and still remain the only professional liability insurer owned and managed by Oklahoma attorneys for the benefit of Oklahoma attorneys. Our philosophy is simple: keep improving services, product offering, and our support for Oklahoma attorneys statewide.

The Oklahoma Attorneys Mutual Insurance Company Portal is a private, secure website that enables OAMIC, insureds, and prospective insureds to communicate quickly and effectively.  Additionally, it allows you to securely apply for coverage, make policy changes, and pay directly. You can log in at any time to view quotes and policy specific information as well as their status, invoices, etc.

To Apply for coverage, login the Portal below:

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Elements of Lawyers Professional Liability Insurance Coverage

Your insurance coverage can be broken down into the following elements:

    1. The Application
    2. The Declaration Page
    3. The Policy is composed of:
      • Insuring Agreements
      • Exclusions
      • Defense and Settlement Provisions
      • Limits of Liability
      • Conditions
    4. Endorsements

Only those elements contained in the insurance policy itself make up the insurance "contract." The application attaches to and becomes a part of the policy.

1. The Application

In the application, you provide information about yourself and your practice. It is extremely important to complete all of the application; don't leave anything blank. Be truthful. The application becomes part of the policy; if you withhold relevant information, the company may have grounds for voiding your policy. 

The more information you provide, the better our underwriting can evaluate the risk and tailor coverage for you. Provide explanations that show how you minimize exposure. This enables the underwriter to gain a comfort level.

Disclose all past claims and explain any extenuating circumstances, mitigating factors, and remedies taken. Demonstrate an awareness of the problem and describe fully all risk management steps for the future. Usually "the more, the better."  The better we know you, the easier to anticipate your needs and communicate with you.

2. The Declaration Page

The declaration page outlines the terms of coverage, specifies the beginning and end of the policy period, states your limits of liability on a per claim and aggregate annual basis, and specifies your deductible per claim which also includes claims expenses. The "Named Insured," which is identified on the declaration page, will be further defined in the insurance policy itself on the first endorsement. If the policy includes coverage for "prior acts" (that is, coverage for acts that occurred prior to the policy period), the date on which the prior acts coverage is effective will be stated on an attached endorsement for each attorney covered under the policy.

3. The Policy

The insurance policy itself:

  • Specifies for what services, activities or actions coverage applies ("Insuring Agreements");
  • States specific activities that are not covered ("Exclusions");
  • Explains your and the company's rights regarding settlement, such as the fact that your consent is required to settle and that we will select defense counsel ("Defense and Settlement Provisions") after discussing options with you;
  • States what and how the policy will pay ("Limits of Liability"); and
  • Stipulates certain conditions to coverage ("Conditions") such as your duty of cooperation.

a. Insuring Agreements. 

  • Services, activities or actions that may be covered include:
  • Professional services as an attorney;
  • Services as a notary public;
  • Services as a title agent (sometimes by a special endorsement to the policy);
  • An attorney acting as trustee or executor; and
  • Pre-or post-judgement interest, appeal bonds, and related costs.

b. Exclusions. 

Whereas the coverage agreements provide coverage, the exclusions note instances where coverage does not apply. If an activity is in the exclusions section of the policy, you do not have coverage for that activity, no matter what the other sections of the policy state. The company may choose to provide a defense under reservation of rights.

c. Defense and Settlement Provisions. 

Issues covered in this section of the policy include:

  • OAMIC will defend even if allegations are groundless, false or fraudulent;
  • We will pay a claims expense allowance in addition to the limit, except for claims arising from securities area;
  • The insured's consent is required to settle a claim. If the insured refuses to grant consent, the policy places a limit on what we will pay which is equal to what OAMIC would have otherwise been liable.

d. Limits of Liability. 

In this section of the policy you will find the following:

  • The specific limit of liability of each claim. 
  • The aggregate liability on a firm basis (the total limit of liability for all claims). 
  • The per claim deductible (Includes Claims Expenses). 
  • The policy provides a “claim expense allowance”, which is in addition to the limit. Claim expenses (defense costs) up to the claim expense allowance do not impact the per claim limit. Defense costs in excess of the allowance reduce the per claim limit.
  • The policy provides a "claim expense allowance." This amount is in addition to the limit and is an aggregate amount that can be expanded for defense. If this amount is exceeded, the policy limit is reduced accordingly.

e. Conditions. 

The section of the policy may include:

  • A requirement that the insured provide timely notice to the insurer of all claims and potential claims;
  • A requirement that the insured assist and cooperate and shall not voluntarily admit liability;
  • A provision that, in the event the insurer makes a payment under the policy, the insurer is
  • entitled to any rights the insured has to recover what was paid (subrogation), and the insured shall reimburse the applicable deductible;
  • Provisions regarding the arbitration of claims. OAMIC shall be entitled to arbitration of a claim;
  • Any change in firm’s attorneys (addition or deletion) must be reported within 30 days of such change.

4. Endorsements

Endorsements change coverage in some way on a firm-by-firm basis. Endorsements may change coverage on a selected basis, without changing the policy for everyone. Endorsements can either add coverage (e.g. to include coverage for work as a title agent), change coverage (e.g.,to place defense costs within the limits of liability), or limit coverage (e.g., to exclude a specific lawyer from a firm's coverage or to exclude claims made by a specific entity. 

*  The above is intended to be a summary and an aide in understanding. Please refer to the exact policy wording for specifics, as the policy language will govern all specific situations.